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

To whom it may concern i have sent letters to the consumer credit agencies XXXX, Equifax and XXXX.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report. 
VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent dispute letters to XXXX, Experian, and XXXX. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.
Product: Credit card or prepaid card

I had over XXXX ultimate reward points which I value for over {$6000.00} and the bank took it away after closing my account. 

The whole reason the bank recently closed my account was for having an old balance with them from a write off account, I had with them in the 2008 recession. Although, it was clearly discussed while I opened the account and I even offered them to pay it which they refused. They were totally ok and fine to open the account. Therefore, I'm very concerned about why they suddenly closed it now, after again being with them for a couple of years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Checking or savings account

I created an account under a new promotion that stated I would receive a {$450.00} bonus after I submitted two direct deposits totaling {$5000.00} or more. After two direct deposits, my account was locked when I tried to login online ( note that I had an existing CitiBank credit card and being locked out of my account lost me access to that as well ). So I now have over {$15000.00} locked in that account and they will not allow me to access it. I spoke with their customer service today ( XXXX ) ; yesterday ( XXXX ) ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Each time, I was transferred multiple times with often more than hour-long wait times and all " customer service '' agents were difficult to understand and took a long time to do anything, all based out of the XXXX and XXXX. Early on, they said they could not speak to me until they sent me a letter. But they refused to confirm whether they had the correct address or where the letter would be sent. Then the letter was sent to the wrong address. I called that number and they gave me another number to call. They hung up on me after they claimed they could not hear me after speaking for over 20 minutes, despite having no issues with my phone. Yesterday, they told me they were closing my account with no explanation. When I asked what would happen to my funds they said they would mail a check, but again could not confirm the address and I suspect it will again be sent to the wrong address. They also would not let me update my address. Today, XXXX at XXXX pm I called back and spoke to another agent, " XXXX. '' The call lasted 16 minutes and 6 seconds. He confirmed that the funds had been mailed to me at my current address. He also confirmed that the funds would include both my direct deposits and the {$450.00} bonus made by Citi. He stated this several times for confirmation because I was doubtful. But he would not confirm the address on file. It has now been months and I have received nothing.
Product: Debt collection

On XX/XX/XXXX I send documents to Capital one requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond
Product: Debt collection

World Wide Recovery is harassing me to pay a debt that happened in 2006.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan ; ; and credit card, and any other accounts from XXXX XXXX with a balance of {$3400.00}, XXXX With an unknown balance. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Checking or savings account

Good evening I am a XXXX recipient and it was explained to me by a SSA agent yesterday. My critical dier need payments have still been processed around the XX/XX/year>, but the contractor at Direct Express banking ComercA bank has chose the nature of concern as it has decided by its own governance to hold this crucial and critical payment for days with no end. I have discovered that even though SSA has been processing my critical payments earlier in the month this banking institution with Direct Express agents have chose to extend those payments out to the very end of the month like last month XXXX the payment was finally release on XXXX and XXXX. But processed by SSA way before this date. Moreover, why if SSA processed the payment XX/XX/year> and I usually recieve on the XXXX of each month in which should of posted yesterday. It has not been sent down to my account by this Direct Express Banking institution. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I want to place a security freeze on my file. I didnt bother to call them as not only does their web site not have a link to how to do this, but it states- " Can you place a security freeze on your Early Warning consumer report? 
No. Under state laws, Early Warning is not required to place security freezes or fraud alerts on consumer reports. If you think youve been a victim of fraud or identity theft, you should contact one of the nationwide credit reporting agencies and place a security freeze or fraud alert on your credit report '' See link https : XXXX I would appreciate your review of Early Warnings claim that they are not required to place a security freeze. If they are wrong, pleas take the steps required to permit me to do so. 

Thank you XXXX XXXX
Product: Student loan

I submitted ( and Mohela received ) my SAVE income-based repayment application on XX/XX/2023. 

The status has been " Processing '' ever since.

Multiple calls over the months and they have confirmed every time that nothing else is needed from me ; they just have too many applications to review and haven't gotten to it.

As a result, I was placed into an administrative forbearance. However, that has since ended, and Mohela wanted me to start paying the loan back monthly at a very significantly higher amount ( almost twice as much ), since Mohela has not had time to review ( apparently 3+ months is not enough time ). 

I called and asked for another administrative forbearance, however while I am off the hook for paying, the interest is capitalizing on the loan. 

There is literally no incentive for them to process my application if my interest is capitalizing. Why should I have to pay more over the life of the loan because they can't get their applications in order? I don't understand why they are able to capitalize the interest. 

I read online recently that the government disallowed Mohela specifically from charging interest when mistakes are made. Would this not be similar to a mistake, taking forever to process an income-based application? 

Is Mohela allowed to charge me interest based on their inability to process my application in a reasonable amount of time?
Product: Money transfer, virtual currency, or money service

hello my name is XXXX XXXX i own a paypal account so someone i have met month ago for something personal i thought they we're legit so they offered me something for XXXX $ i told them i was not comfortable with sending full payment too them so they told me too do half payment for XXXX $ that when we met up that i can complete the other half of XXXX $ we'll the person would not answer me for 30 mins so they answered said that the payment was pending i did not feel okay with this so i asked the person too refund the payment they kept giving me the round abouts and giving excuses that they needed a other XXXX $ so that the payment and there account can take the money and the payment too complete.so i have contacted paypal they would not help me with me the issue because the payment was already sent i had proof of being scammed they still wouldn't do anything about it. so today i called you guys i am speaking with XXXX XXXX XXXX he told me too fill out this thing today. 

transaction ID for my payment is XXXX Person Email is XXXX Name is XXXX XXXX they also sent a screenshot showing the payment was pending i also saw a transaction ID AS WELL XXXX I will be including screenshots as well
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXXXXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Oth

er Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention
to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report the other day and noticed that my XXXX score had dropped several points. I check my credit reports 2-3 times per week and receive email alerts with any changes in my credit file on all 3 credit bureaus. This score decrease came out of nowhere, so I started investigating. Upon examining my report in search of what may have caused this sudden and unexpected drop in my score, I discovered that a collection account had been reported by IC System claiming that I owe XXXX XXXX XXXX {$1100.00}. First of all, I have NEVER EVER had an account with XXXX XXXX XXXX XXXX EVER. Secondly, this collection was REINSERTED into my credit report after it had already been DELETED OVER A YEAR AGO because it was incorrect and false reporting. Now, over a year after it was deleted from my credit reports, it is suddenly making a reappearance and decreasing my scores. THIS IS NOT ALLOWED. You CAN NOT reinsert a collection account into somebody's credit report AFTER it had already been deleted by the credit bureaus due to it being INCORRECT as I DO NOT owe this debt. I will NOT tolerate this slanderous, defamatory, and FALSE information on my credit reports. I work EXTREMELY hard to maintain an excellent credit rating and my wife and I are in the process of preparing to build a new home, so I will NOT allow some bottom feeding, money hungry collection agency to SLANDER my good credit with FALSE information and interfere with MY life plans. 

Again, this collection account was DELETED from my credit reports by the credit bureaus over a year ago because it was being falsely reported as I have NEVER done business with XXXX XXXX XXXX or XXXX ( credit bureaus do not delete collection accounts without valid reason ) and now these people from IC System are reporting it AGAIN after it has been long since deleted from my credit reports, which is NOT allowed. 

If this slanderous, incorrect collection is not IMMEDIATELY removed from my credit reports, I will be proceeding with legal action and will be seeking monetary damages from IC System for REPEATED false credit reporting. This CFPB complaint is just the very first action that I am taking in order to allow IC System a brief widow of opportunity to rectify this very serious matter. Otherwise, I can promise that I WILL be taking much more drastic action against IC System if this slanderous collection remains on my credit reports. A screen shot of this collection from my XXXX credit report is attached to this complaint.
Product: Mortgage

While I am refinancing my current home mortgage loan with Freedome Mortgage Corp as below, FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX United States Lender NMLS ID : XXXX They are keep delaying my request for release payoff quotes to me and my closing title company, and now delaying my closing for refinance and several attempted for above company contacted, they are not released my payoff quotes and delaying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Equifax two days ago. There is a dental collection on my credit report that I never had or recognized. I am XXXX XXXX Military and I get all my dental care through the military so I never had care from this company. Equifax has verified this information within a day. I want to know how they verified this information so quick. I want this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I call Transunion to report that I was alerted that my information was located on the " Dark Web. '' I checked my credit reports and found several unauthorized inquiries on all three Credit reporting agencies. I was able to dispute them with both XXXX and XXXX, however, Transunion stated that I had to go this route.
Product: Credit card or prepaid card

I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. 

I noticed that I was reported 30 days late in XXXX of this year. I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to Barclay 's, I was. This must be some kind of error because since 2013 when I opened this account, I have always maintained a low balance and paid on time. But yet, I was reported 30 days late? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that FIRST TECH FCU have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FIRST TECH FCU and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " 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 are { { {$1000.00} } }, whichever is greater ; ''
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. Things issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I applied for a Truist credit card. It's called the enjoy cash. It has no annual fee and has a promotion of 12 months no interest ; however, immediately after getting the card I get charged an annual fee. I called and after complaining they refunded the annual fee. Then I made a purchase and since I have no interest decided not to pay it off completely, just the minimum required. When looking at the statement, to my surprise I notice an interest fee. This card has no interest for 12 months. Yet I'm being charged interest. Called and talked to multiple reps that confirmed to me I'm not supposed to be getting charged interest and that they would refund it. Weeks have gone by and they have not refund the interest fee. In fact, they have once again charged me interest fee. First time was for XXXX $ and now I got charged XXXX. I once again called and they said they would fix the issue and it's yet to be fixed.
Product: Debt collection

I applied to get landline from XXXX they gave number, finally i changed my mined not to have land line. They send me bill i called them it is by mistake so dont worry it is cancelled. Finally after 5 month i got a letter system service to pay {$54.00} I never connect for a seconed why do they send me a bill and send to debt collection. It bother me a lot
Product: Credit reporting

I went to the social security site to advise of my change in address. The site would not accept my change due to loans and a mortgage which they say is on my account. I do not have loans or a mortgage. I could not get a credit report because they say I have loans and a mortgage which I do not have. I sent a request form to a credit report company requesting my report ; they say it will be weeks before I receive it. I do n't know if someone made a mistake or if someone is using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX