23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to Equifax and XXXX incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? Equifax is showing " NR '' as not reporting but is mimicking the information incorrectly reported to XXXX. Also, Equifax is showing updated on XX/XX/XXXX but XXXX is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.
Product: Student loan

My student loan was transferred to MOHELA after being serviced by another company for years. I had submitted my annual XXXX  verification form right before I was transferred to this company and I wanted to know if it had actually been received in the transfer. It was urgent that I got this confirmed because of the limited waiver for XXXX which was expiring at the end of XXXX. During the span of a few weeks I tried unsuccessfully to contact MOHELA multiple ways, by submitting a form on their site, by emailing directly and by calling. The first XXXX times i called i waited on hold for over XXXX hours only to have the call dropped without ever speaking to someone. I was finally able to speak to someone after waiting for XXXX hours. And then the representative told me that the forms i had submitted months before were never received. By this point, this was days before the limited waiver was expiring and I rushed to get my employer to fill out the form a second time. I found out weeks later when my account was finally updated online that the representative i had spoken with was wrong, the first form was received, and my stress over this had been for nothing. I have still never received any reply to the written communication I sent.
Product: Payday loan, title loan, or personal loan

My next payment is due XX/XX/2019. To make changes to the amount, I have until XX/XX/2019. I sent the revoke permission letter and was advised that they would still be withdrawing the payment on the XX/XX/2019 for {$130.00}. This is not timely, and makes no sense if they can change the amount of the draft within 3 days, they should be able to stop the draft given a week. They said it has to be 10 days.
Product: Credit reporting or other personal consumer reports

There are multiple late payments incorrectly reported by these creditors to Equifax, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.
Product: Debt collection

Hello, Please validate the debts for {$450.00} and {$390.00}. I am requesting a full validation of debt showing that this is mine. Please show information including the signed contracts for the original debt amount and the debt owed at the time the account came into your possession.
Product: Student loan

This is the second complaint made about a nearly exact error on MOHELA 's part. My employer writes a check and mails it to MOHELA every month on my behalf to help assist me in loan repayment. My payment for XXXX went missing again ( this happened back in XXXX of XXXX and I had failed a very similar complaint ). It was not until I filed this complaint in XXXX that they were able to " find '' the lost payment and apply it to my account. This has happened yet again with my XXXX payment. My employer wrote and mailed my check XX/XX/XXXX, they have bank proof that it cleared and was cashed by MOHELA on XX/XX/XXXX. However, I never received the payment. I called customer service and they said it's because my account number has changed. I was NEVER notified that my account number was changed and therefore, my check has my account number listed with my prior account number ( prior account number : XXXX, new account number : XXXX ). I explained this to MOHELA and asked why I was not notified and they could not explain. Therefore, my check has been " cashed '' by MOHELA and they are claiming it is lost and will try their best to find it. This is again unacceptable to lose a payment and not link it to the appropriate account when that has been on autopay for months. I would like this thoroughly investigated and I would like my payment to be applied as it is money I have earned as part of my employment, and the Department of Education continues to " lose '' payments or apply them to the incorrect account ( which happened last time ). They are the most unprofessional organization and need to re-evaluate how they process money as it is very disorganized and fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and Experian has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on XXXX it Says " Closed '' and on Experian it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the XXXX Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX XXXX XXXX Amount {$580.00}, On XXXX its XXXX Closed '' but on XXXX its XXXX is " Open '' and it was completely removed from the Experian Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the XXXX Report XXXX say " Open '', but has Been Removed for the XXXX and Experian Reports, Why is that? 

XXXX. I XXXX XXXX  : Alleged Amount {$340.00} : On the XXXX report status is " Open '' Experian Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On XXXX Status is " Open '' and Has been Removed from the XXXX and Experian Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXETER FINANCE LLC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I found out that an account has been opened in my name in XXXX XXXX  which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( Experian ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the XXXX XXXX  branch near me but the account has still not been terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to XXXX and I am dealing with them. The school committed fraud.
Product: Student loan

I've been calling and calling to get verification of the loan as well as wanting to negoiate and pay or something. But no one could give me any information. I even went to the school inquiring and they told me that they did not have any information for me and NO-One would talk to me about the loan account. I understand that they could not find me in their system so therefore they may have the wrong person and the information on my credit report needs to be REMOVE.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024, I noticed that my solar company is applying my entire payment of {$380.00} towards interest and nothing towards principal. 

I sent them an email and this is their response below : Thank You for contacting Mosaic. 

Your monthly payment will first apply toward any interest that has accrued, once that is zeroed out the remainder of the payment will apply toward principal. With each subsequent month of payments, you will find that more and more is applying toward principal. If you wish to make any additional payments ( beyond your regular monthly payment ), then those payments will apply 100 % toward principal if they are processed on the same day as your monthly payment, in case they are made in a different date you will have to pay the interest generated between those XXXX   payments. 

If you have further questions, please contact us at XXXX Best regards, Mosaic Loan Servicing
Product: Checking or savings account

Good evening, My name is XXXX XXXX. I have been a victim of Identity Theft. The thief took control of my online account and went did a bunch of unauthorized charges. The bank decided to close my accounts and flagged my accounts. By doing this, I can no longer bank with them OR open accounts in with other banks due to banking reporting systems such as XXXX XXXX XXXX and XXXX. I think it's unfair that even though I've shown proof of Identity Theft and have been a loyal customer for many years, I am treated with such disrespect. Every time I call customer service it's a huge run around and I simply don't understand what to do. I get transferred to another department, explain my story and get sent around again. Please have the bank fix this situation.
Product: Debt collection

On XX/XX/2023, I filed the attached complaint against both XXXX XXXX XXXXXXXX and their representing counsel, Andreau, Palma, and Lanvin. XXXX XXXX XXXXXXXX responded that since this was in litigation, it was to be addressed with their firm. In response to the complaint filed, their firm filed a prompt response with the CFPB and on or near XXXX XXXX, sent me what I presume to be a proposed court order ( attached ). My assumption is the attached proposed court order was to satisfy the original complaint that this firm was inappropriately delaying my case. As illustrated in the attachment, XXXX XXXX XXXXXXXX firm vehemently denied that allegation. 

However, on or near XX/XX/2023, I received notification from XXXX XXXX  XXXX attorneys that they were responding to a Failure to Prosecute ( attached ) initiated by the State of Florida, for time languishing between court events. 
The above-mentioned proposed order, sent to both my employer ( garnishee ) and myself, WAS NOT sent to the court. No effectual activity was done to proceed with my case and now, further time has languished. A reasonable person would question the intention behind this mismanagement of court documents. One paper delivered erroneously is understandable, this makes two documents I have received that the court has not. 

At this time of record inflation, surging fuel charges, and Florida energy increases of 20 %, I am unable to navigate the inconsistencies of this case that surely do not follow Florida law. For a year, I have had no ability to intervene and discuss the financial hardship this has and is creating. When I received the proposed court order, I was relieved because this would give me the opportunity to present an appeal. Though I would be out further funds to defend my case, this would be a path forward to correcting and alleviating a dire situation these errors continue to create. 

To date, I have not seen any activity with the proposed order. This judgement will be fully satisfied in approximately one week. I have been rendered completely defenseless. Surely this is an abuse of debt collection practices, at minimum. In addition to financial hardships created by circumventing the judicial process, I have battled severe bouts of anxiety for the past year and, especially, the last few months with increases in all living expenses, I have been unsure how my family could survive. 

XXXX XXXX XXXXXXXX has been sited before for improper garnishment techniques and I ask the CFPB to review these facts and documents and see that this is continued garnishment abuse by this bank, carried out by their firm, and endured by me. I truly hope that no other consumer is expected to endure a collection process like mine. This has required unspeakable mental fortitude that the bank has no compassion and accountability for, which is a shameful business practice.
Product: Debt collection

On or about XXXX XXXX, 2015, i received a bill purportedly from XXXX XXXX XXXX regarding an amount due by XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a telephone call from Diversified Consultants, Inc., regarding the same amount. I was told that I was delinquent on the debt and that the caller represented a debt collection agency. I told the caller that I would have to check with AT & T before proceeding and ended the call. On XXXX XXXX, 2015, XXXX XXXX XXXX confirmed that I did not have any past due balance, that the account number listed on the purported bill is not an XXXX XXXX XXXX account number, and that the mailing address on the bill is not an XXXX XXXX XXXX mailing address. I called Diversified Consultants, Inc. on XXXX XXXX, 2015, to inform them that the debt in question was based on a fraudulent bill. I was told that the account had been closed earlier that day, and that I no longer owed any money. I believe that Diversified Consultants, Inc., alone or in collusion with one or more other persons or entities, is conspiring to commit fraud through the collection of debts that do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX  default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
Product: Checking or savings account

My rent charge posted to my XXXX ending XXXX at Wells Fargo on XX/XX/XXXX, a Friday causing an overdraft fee. Wells Fargos policy is to allow an extra business day to bring the account positive and if made positive, the overdraft fee of {$35.00} will not be applied and the item will be paid. I was successful in bringing the account to a positive balance by the next day, Saturday XX/XX/XXXX which is not a business day as stated on their website. On Monday XX/XX/XXXX am overdraft fee of {$35.00} was still applied, bringing the account negative once again. My complaint is that Wells Fargo is incorrectly applying OD fees on accounts and not correcting the problem. Being in Hawaii. Items tend to post earlier in the evening XXXX and therefore can cause issues with the account.
Product: Debt collection

I recently spoke to a supervisor in the legal dept of Southwest Credit System # rd Party collection agency. I informed the lady that I spoke to that I was planning to file a lawsuit against this company if they did not remove the negative fraudulent account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint seconds after another complaint without addressing the issue but giving computer generated responses. This fraudulent company gets rich from stealing people 's payment history AS REQUESTED FORWARDED TO THE F.T.C AND D.O.J.
Product: Credit reporting or other personal consumer reports

I did authorize these companies to run my credit, these were fraudulent. 

XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX , XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

All the following accounts were already closed by the law under Bankruptcy Court of the United States of America in XXXX FL Case number XXXX XXXX. It is ordered a discharge under 11 U.S.C 727. Now the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX