23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/year> Can not access my account online. Website looks suspicious- blurry MOHELA icon, email links to pay dont always work, email was inverted in colors, log in not allowing me to access my account or any thing through MOHELA. This is not the first time this has happened, but I can not recall other specific dates. Customer service never gets me to a human or I get disconnected. 
Reminder emails to pay at the end of the month arrive at the beginning of the month, reminding me to pay soon but then no reminders again.
Product: Debt collection

Medicredit , Inc. is reporting -- to the three popular credit reporting agencies -- a hospital bill that has already been paid-in-full by the Department of Veterans Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! 

In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. 

XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX {$51000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so.
Product: Debt collection

Hi, in XXXX I got a car for {$9500.00} but they only credited me for {$7500.00}. I was arrested on XX/XX/XXXX, I got out five days later where all charges were dismissed. The police took my car without a warrant from my driveway. I went to pick up my car from the police property department where they told me I could not get my car back because the bank had taken it with all my belongings. So, I spoke with the bank to find out they sold the car. I was never contacted by the bank. I made my payment on XX/XX/XXXX, they sold the car on XX/XX/XXXX without ever notifying me. I had not heard anything from the bank. I moved to in XXXX after that to GA. In XXXX, I had to move back to NY because my mother got XXXX  and passed way. So now I find out there is a judgement against me from east coast funding group. I never received any notices from them. I wrote asking for the full accounting on the account nothing. They stated I never made a payment from the time I got the car, not true at all. So, after some digging and research, I found out that east coast funding has a XXXX XXXX XXXX, I called wisdom financial and asked them if I could get a copy of my full payment history. Wisdom financial mailed me the payment history where I find out east coast funding lied and said I never made a payment but in fact wisdom financial accounting shows I made all my payments up until they stole the car from the police impound with all my personal property. All the while, never sending me any notice or a chance to get my car back. I have sent them all kinds of letters they never answer. I had to write this so people on here realize they can do a lot one being the fact on how XXXX treats and speaks to you its illegal and a violation under the FCRA the Consumer Law and Policy. Also, this company was also fined by the state for unfair banking practices. Please check their XXXX  reviews and ratings. Where people are saying there doing the same to them. I have also filed an order to show cause and the judge did sign it staying the enforcement of the judgement pending a hearing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has been reporting an inaccurate balance. I contacted the company to correct this issue but nothing was fixed. The account status is also reporting inaccurate, as the account is closed. Also, the company is charging me a late fee and the account is closed. That must be violation of the law and illegal.
Product: Checking or savings account

I had two XXXX XXXX  checking accounts. I owed XXXX XXXX a certain amount. Because my name was on the high school account they took money from their accounts to cover my debt. I have to be a signer on their account. So they should not be help responsible for my debt.
Product: Debt collection

This company gives me a different tune every time I call to pay my bill. I haven't paid because I do not trust giving my information and having them take money when they want. This is old debt anyway. I don't have money right now because of this worldwide crisis that is going on.
Product: Credit card

In XX/XX/2024, I attended a timeshare presentation with my fianc in XXXX XXXX. They initially asked for both our social security numbers to verify if we qualified for the program. After, we denied joining the membership and any promotions they offered. A few weeks later we both found that the company XXXX XXXX Barclays had opened up a credit card in both our names. I never requested this and worried someone will use my account in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, someone used my ssc # to open a credit card XXXX, credit limit was granted of {$4700.00}, the thief used {$5200.00} went over the limit, then made payments on time until XX/XX/2023, 2 or 3 months later checked my credit report and TransUnion received this debt only with my ssc #, but not with my name, DOB or mail address, ONLY with ssc #, which is obviously my ssc # was stolen to open that XXXX XXXX, I contacted XXXX XXXX  and they Don't have any account under my name which is correct because I don't have a credit relations with XXXX XXXX XXXX XXXX, now trasunion told me to do this claim and get a letter from you to remove the debt from my credit, thanks so much for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Checking or savings account

On XX/XX/2024 I made a {$50.00} XXXX from my an external bank account to my Bank Of America Checkings account. This money was received into my account and I have attached a copy of the email stating it was received into the account. On XX/XX/2024 a {$50.00} payment was made from my Bank Of America checkings into my Bank Of America credit card. On XX/XX/2024 these {$50.00} were marked as returned payment unpaid. I never then received those {$50.00} back into my checkings and the Bank Of America company supervisor from the Deposits department XXXX from the North Carolina office stated the my checkings account never had {$50.00} to begin with. I explained to her that how can a payment be made from an account if it does not have any funds but she stated that it was not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when Navient took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but Navient has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that Navient has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
Product: Checking or savings account

I spoke with Wells Fargo on XX/XX/2021 because I received an alert with XXXX about an account being open which I did not apply for. The lady explained that someone opened a checking account online in my name and they will open a fraud case about the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Validation letter to Midland Funding located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way
Product: Debt collection

Village Capital & Investment LLC, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law.
Product: Debt collection

This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.
Product: Debt collection

On or around XX/XX/XXXX I visited my dentist at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) for routine cleaning. After service they recommended braces but I did not want that so they suggested a different product XXXX and told me my insurance will cover part and made me take a no-interest loan to cover the rest. After reviewing with my husband we decided this wasn't the right time since we could not afford it. We called to cancel but the office claimed since the order has been made they will not cancel. They proceeded to take the funds from the credit line from Synchrony Bank for {$2700.00} ( this has ballooned to {$3000.00} ). We started getting collection calls from the credit company but told them funds should be returned since no service was performed and asked that they stop the calls. Additionally, the dentist failed to diagnose a more serious issue ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that required surgery, and one that would have made the XXXX ineffective. 
To ensure I did not lose our lifetime Ortho dental benefit we reached the insurance company ( XXXX ) to notify them that no service was performed and asked that they investigate and restore our benefit. After investigating they sided with us and requested refunds from the dental office. They last reported to us that the refund is still pending. 
In XX/XX/XXXX, I received a notice of the filing of a warrant in debt from a third party, XXXX XXXX XXXX, XXXX represented by XXXX XXXX XXXX, XXXX, for a hearing on XX/XX/XXXX. 
I feel this is threatening and may have negatively impacted my credit rating as well. At this point, I fear that my family will be saddled with debt for service I did not get. If needed I can provide proof from my current dentist that at the time XXXX should not have been a priority. I can also show proof from my recent x-ray that my teeth are the same, healthier not because the XXXX eating the XXXX XXXXXXXX has been removed. 
I feel Synchrony Bank should have done more to recoup their funds since I repeatedly told them service was not provided.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/, my statement balance was {$67.00}. This was paid in full. On XX/XX/, my statement balance was {$740.00}, of which {$11.00} was " interest charges '' based on a balance of {$460.00}. How this makes any sense is beyond my comprehension, and now, I feel the need to go through every single line item on my statement going forward. This is highly deceptive conduct. This is not based on the interest charged, but my concern is that this " error '' may be widespread and may be affecting millions of other account holders that allow the company to scrap up revenues that likely would pose high regulatory concerns here. I have attached both my XXXX and XXXX statements for ease of reference.
Product: Credit card or prepaid card

I had a payment due on Sunday, XX/XX/XXXX. This payment was made on time. With my traveling and my records, I paid the statement date on time as well - but American Express has their records as having it been received on XXXX at XXXX. My records show a debit on XXXX - which would not have been made with a payment that day. In American Express 's records and in my records, we are dealing with a discrepancy of 16-20 hours, or one day. The interest charge is XXXX. I am asking for it to be waived as a one time courtesy. I pay thousands of dollars in annual fees - and there appear to be some error. Front line support agrees but can only credit {$200.00} - they are refusing to waive the rest of it. If there's an error - and we're already agreeing to waive {$200.00} of the {$320.00} - why can we not credit the rest of it? I've asked for escalation, and chat supervisors are refusing to do it - saying they can't with their policies - so I am submitting this complaint hoping the right person reads it and can fix the issue appropriately. I am appreciative and thankful for your consideration.