23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address a matter of concern regarding the frequency of phone calls I have been receiving from OneMain Financial. While I understand the importance of communication, I believe the number of calls I have received recently is excessive and has become disruptive to my daily activities. 

Since XX/XX/2024 I have received 17 calls. Per The Fair Debt Collection Practices Act FDCPA Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. In addition, The Debt Collection Rule is presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven-day period. 

XX/XX/2024 Saturday - XXXX XX/XX/2024 Friday - XXXX, XXXX, XXXX, XXXX XX/XX/2024 Thursday- XXXX, XXXX, XXXX XX/XX/2024 Wednesday- XXXX, XXXX, XXXX, XXXX XX/XX/2024 Tuesday- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Monday- XXXX, XXXX Also, XXXX texted me on XX/XX/XXXX and stated I need to have a payment of XXXX which is a half payment. I responded that I could gather as much as I could by XX/XX/2024. She responded that it has to be the full XXXX or she won't be able to process the payment. I responded. It is not XX/XX/XXXX and I have received 17 calls in regards to this matter. My account is notated that I am facing financial hardship and I am still harassed in regards to my payment. 

When I speak to the staff at One Main you speak to the initial person who calls you, then they transfer you over to a " branch manager '' who then does not know why you are transferred over so you have to explain your financial hardship over and over. I feel humiliated and embarrassed every time I have to explain my situation. Before this hardship I made it on time payments and had a stable income. I worked for 8 years with one employer. 
I've also seen that complaint # XXXX experienced a similar issue of frequent calls and being transferred over to a branch manager. 
The staff is polite when you speak with someone. If you do not take their call they will call you repeatedly.
Product: Bank account or service

I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Account with XXXX XXXX act # XXXX was paid in full XX/XX/2020. Upon checking my Equifax, XXXX  and XXXX credit reports XXXX XXXX last reported to the credit depositories was in XXXX still showing a balance. 

XXXX XXXX has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact XXXX XXXX to report my mortgage Paid in Full to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called car credit in XXXX XX/XX/XXXX. My finance company which is OVERLAND BOND financed me for a little over XXXX $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau XXXX. My payment is due twice a month with the amount of XXXX $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted XXXX  they expressed to me that no credit report was given to them since XX/XX/XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company overland bond they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX  Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX # XXXX, has 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 an account without my written instructions
Product: Credit card

Chase Bank ( I verified the numbers online, so I know it was their company ) Called me and asked if i tried to open an account with them. ( Credit Card ). I told them no. When i asked if they did not open the account i did not get an answer. Instead, they told me o had to go XXXX and gave me a case number. ( XXXX ). They then told me they were transferring me to XXXX, and they would handle it from there, The call did not transfer but they did call me back. I asked if they were from Chase or XXXX, and they replied XXXX sent over from Chase. They then went into a 45-minute call about my XXXX number was stolen and my cards needed to be cancelled for 12 months and a long list of Federal Laws they said protected me. Again, another case number XXXX. They claim my XXXX cards needed to be cancelled and my savings and checking accounts needed to be changed. They also told me they were going to save 70 % of my debt because Banks were defrauding me because i was a XXXX XXXX. At this point they wanted to send me to an account Manager. I again asked them who they worked for and got no real response. So at this point I knew Chase had given them personal information without my consent. I am also pretty sure it was a credit counseling they were trying to set me up. I told them at this point that i wanted to stop this till i spoke to my banks. They did not like that and i ended call. XXXX XXXX was the name that rep gave me. XXXX was a number they used. I called the number they contacted me with in the beginning and it went to Chase. It is also the number Chase has online. This was a fraudulant attempt by Chase and they gave away mu info.. They also told me about charges made to my XXXX accounts A XXXX and XXXX XXXX dollar charges. When i contacted XXXX they were not on my accountants
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO XXXX  XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. XXXX debt collectors for XXXX  have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 student loans from XXXX XXXX XXXX XXXX XXXX account number XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX account number XXXX with a balance of {$5200.00}, XXXX XXXX XXXX XXXX XXXX  account number : XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX  account number : XXXX with a balance of {$3800.00}, XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX with a balance of {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5200.00}, XXXX XXXX XXXX OF XXXX acct XXXX XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX  XXXX acct # XXXX with a balance of {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$10000.00} XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5700.00}. Accounts from XXXX XXXX acct # XXXX with a balance of {$1200.00}, XXXX XXXX XXXX  acct # XXXX with a balance of {$28000.00}, XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3900.00} 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, credit repair services, or other personal consumer reports

ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX AXXXX XXXX XX/XX/2022 XXXX XXXX OF XXXX via XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX XXXX via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the XXXX and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.
Product: Debt collection

SYNDICATED OFFICE SYSTEMS XXXX {$1000.00} XXXX I 've never been to XXXX.This is a result of someone using my Id. I 've had a fraud alert on my credit file for years
Product: Money transfer, virtual currency, or money service

Money was transferred from my account and I wasnt aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive.

2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.
Product: Student loan

In XXXX of this year, I reached out to Mohela via phone call to speak with someone about an error they made to my credit reporting file. I was told that an investigation would need to be done and someone would get back in contact with me in 7-10 days. until this day I have never received a response, therefore I reached back out to Mohela, in the month of XXXX. However, due to high call volume and wait times I wasn't able to reach someone for a follow up response. I have asked Mohela to correct my credit file reporting for the month of XX/XX/2019, to reflect paid as agreed, however, their file continues to state that I was 90 days late for the of XXXX. How? This is the shortest month of any given year. Their error has affected my consumer credit report tremendously. I paid every month consecutively prior to XX/XX/2019, and my credit report states paid as agreed. This error has caused creditors to lower my credit card limit ( XXXX XXXX ). I wasn't late and I'd like for my credit report to indicate paid as agreed and remove the negative 90 days from my credit report and send an update credit report to me and all of the credit bureau ( XXXX, XXXX XXXX, and XXXX ). Mohela, has an obligation by law to report the correct information and this information isn't being displayed correctly on my credit report. I need the month of XX/XX/2019 past due to be removed to reflect their statement " paid as agreed never late ''. 

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

PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX  XXXX XXXX  ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my report : NATIONAL ACCT SYSTEMS-OM XXXX, NE XXXX NATIONAL ACCT SYSTEMS-OM XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency National Account Systems
Product: Student loan

I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.
Product: Debt collection

Mosaic : Solar panel loan, has been auto-drafted from my account for over a year. I was not notified that there were any issues with the auto-draft. 3 months passed before I got a letter in the mail saying we owed over {$800.00} to mosaic. I immediately researched my bank account statements and noticed the payments have come out in 3 months. I immediately tried logging in to the mosaic loan portal. Access was denied. I sent an email to the company asking about the past due balance and my account not letting me access. Case no : XXXX. These emails occurred on XX/XX/2023 and XX/XX/2023. I have not received a response from either inquiry. I had no idea the auto draft wasnt happening or the loan was defaulted. I have made every attempt to contact Mosaic but they refuse to speak with me and want me to communicate only with the debt collector. I have received zero written communication from the debt collector. My address was not accurate in the mosaic system. They were saying my physical address with the state Arizona. I live in Arkansas. But we use a XXXX XXXX XXXX We havent been properly notified.
Product: Debt collection

On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to TransUnion disputing several negative items that are inaccurately reported with discrepancies on my credit report, along with incorrect personal information. However, TransUnion refused to conduct an investigation. On XX/XX/year>, I received a letter from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of the information in their credit file, the credit bureau must conduct a reasonable reinvestigation to verify the information. TransUnions failure to fulfill this obligation is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and incorrect addresses that TransUnion has reported on my credit report. 

I have recently reviewed my credit report from TransUnion and identified several inaccuracies that have severely impacted my credit standing. These inaccuracies include : XXXX. **Fraudulent Accounts** : There are accounts listed on my credit report that I did not open. These accounts are fraudulent and were not authorized by me. 

XXXX. **Incorrect Addresses** : There are addresses listed on my credit report that I have never resided at or used in any capacity. 


I have already contacted TransUnion directly to dispute these items, but I have not received a satisfactory resolution. Attached are copies of my correspondence with TransUnion, my credit report highlighting the disputed items, and any supporting documentation that may help in resolving this issue. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these inaccuracies are corrected promptly. The fraudulent accounts and incorrect addresses are causing significant harm to my credit score and overall financial well-being. 

Please confirm receipt of this letter and inform me of any additional information or documentation you may need to proceed with this investigation. I look forward to a prompt and favorable resolution to this matter. 

Thank you for your attention to this urgent issue. 

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

Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you