23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had an account with    XXXX   XXXX   back in 2012. This company called Global put money in my account that I did not authorize them to do. When I went to my bank to ask about the deposit I told them I did not authorize this and they sent the money back to the company. They started calling last week and when I did n't call them back they look ed up my mothers name and contacted her illegally. When I confronted them about this they lied and said they did not look up my mother 's number. I have told them not to contact me again or I will file harassment charges against them but they continue to call and harass me.
Product: Debt collection

On Midland credit management inc. stated that an account was open with me with a balance of {$610.00} and I had no knowledge of that. And I have no contractual agreements with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 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 Experian and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax 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 XXXX and XXXX are 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 delete 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.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Student loan

On XX/XX/2018 I received three letters from XXXX in response to three Employment Certification Forms sent on XX/XX/2018. Original copies of all three Employment Certification Forms from three separate school districts were sent to XXXX via USPS Priority Mail. Copies of each were taken and maintained along with Priority Mail receipt. 


All three letters from XXXX denied PSLF qualification. The first denial was based on " certified employment dates listed on ( your ) ECF were prior to the date ( you ) received ( your ) Direct Loans that would be eligible for PSLF. '' The second denial was based on " Your employer did not provide the begin date of your employment in Section 3. The authorized official at your employer should contact us within 90 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 90 days, complete and submit new ECF and make sure to complete all of the required fields. '' This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the begin date in Section 3. 

The third denial was based on " The authorized official at your employer did not provide the date they signed the form in Section 4. Complete and return the enclosed form. Don't forget to have your employe sign and date the form in Section 4. " This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the date the employer signed the form in Section 4. 


These are INTENTIONAL ERRORS and FALSE statements on the part of XXXX to delay and possibly deny what is my legal and fair right to apply for and receive the Public Service Loan Forgiveness under United States law.
Product: Debt collection

I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX  but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Experian is reporting inaccurate information to my consumer report which is a violation of the Fair Credit Reporting Act. I only have one address and any other would be inaccurate and non-mailable. Any account that is being shown on my credit report that is not associated with my actual address should be deleted from my consumer report immediately.
Product: Credit card

Bank of America is an authorize user in my credit report that i dont recognize as mine and i never authorize for...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX  as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Product: Debt collection

The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.
Product: Vehicle loan or lease

I am a XXXX citizen but my loan was through gm financial in the states, a 5 year term, no missed payments, no late payments. My car is paid off. When I call it says title released XX/XX/2019, I owe nothing. I was unaware of a policy that states I have to wait 15 to 30 days to sell my vehicle I paid for, for 5 years, this is unacceptable as a consumer, even more unacceptable as someone who sold their vehicle not knowing of this 15 to 30 day policy that is not written anywhere for anyone to see or none about. I now have a very angry car buyer who cant put the car in her name as the lien is still there due to the policy that is not written anywhere for anyone to know about. I have dealt with gmf via phone and also written complaint for the last two days being told they cant send me that policy as its an internal policy. Wait, what? So how is a consumer to know that you have to wait 15 to 30 days to sell a vehicle if its not stated anywhere? Written anywhere, not notified as such a policy? Its not a policy, if its not written! I have a my account through gmf and asked that they send me a letter stating I owe nothing and they release the vehicle. They wont do that, I have to adhere to their policy that isnt written anywhere or I wasnt aware of. I am here to protect future consumers from this company who dont end up like me, paying a car off, selling it and having one angry buyer as I wasnt aware of some internal policy. I was also told by XXXX ID number XXXX that they didnt have to tell me of this policy as its an internal policy. Please do something about this policy they have that is not written anywhere!!! Yes Im XXXX, but my loan was through an American institution, how that happened is beyond me!
Product: Payday loan, title loan, or personal loan

Greetings, previous questions/responses do not apply to my situation so it is a proxy response for you to be aware. 

I have inquired solar panel installation for my house in DC in XX/XX/2023 from XXXX XXXX XXXX company ( XXXX ) who requested that my credit score is verified and the financing of the solar panels are secured by Mosaic Financing for XXXX installation. While XXXX XXXX ( XXXX ) did not make any progress and did not deliver on the project ( no plans, no follow-up ), after repetitive inquiries, I cancelled the request with XXXX on XX/XX/XXXX and informed Mosaic. 
Mosaic informed me that they have disbursed the loan to XXXX and that I have to start paying the loan back until XXXX cancels the project from their end. Meanwhile XXXX informs that it will take up to 60 days to cancel a project despite the fact that both XXXX and Mosaic had assured me that I could cancel " anytime '' during the design process. This is an agreed scheme between these two companies to scam consumers and I would like both companies to be investigated. 
XXXX Supervisor advised me on the phone at XXXX XXXX this morning that they will expedite the cancellation with Mosaic however I still would like to file this complaint for the following reasons : XXXX ) Mosaic can not disburse any loan to any company on my behalf without my consent XXXX ) Mosaic can not request loan repayment for a project that has not been implemented XXXX ) Mosaic can not finance customers without providing correct and proper information during the loan drafting process regarding their cancellation and disbursement practices. 
XXXX ) XXXX XXXX can not put customers through a detailed planning and financing process to do nothing XXXX ) XXXX XXXX can not take up to 60 days to cancel a project without justification XXXX ) XXXX XXXX should be transparent with their cancellation policy and inform customers properly during the design process. 

I have provided public reviews for both companies and will follow-up through local authorities as well. I would appreciate your soonest advice and action on this case that may harm other consumers who may not know their financial rights. 
Both XXXX XXXX and Mosaic Financing need to operate legally and ethically from now on. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX American Express contacted a family member again after they agreed to cease all contact. 

American Express is violating FDCPA
Product: Credit reporting

I was not able to obtain my free annual credit report from Equifax XXXX.
Product: Money transfer, virtual currency, or money service

Pnc bank isnt connected with XXXX XXXX so I cant transfer money to them so I have to do a wire and thats way harder XX/XX/2020
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.
Product: Debt collection

in accordance with the fair credit reporting act XXXX account CREDIT COLLECTION SERVICE, has violated my rights XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly 100 points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no change. XXXX gave no relief either ; they stood behind what they reported to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.I have XXXX XXXX with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and 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 XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and Transunion are 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 delete 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. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Product: Debt collection

I paid this card account through XXXX and have sent the payoff letter to XXXX XXXX  but they keep harassing me saying the debt was not the other companies to collect.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX failed to accurately depict the investigation of the late and inaccurate payment on my credit report. Moreover, they violated my rights, as specified by the law, by not providing an appropriate description of the investigation process. 
in accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for purpose
Product: Credit reporting or other personal consumer reports

Subject : Final Notice : Dispute Follow-Up and Notice of Intent to Sue Dear Equifax XXXX This letter serves as my final communication regarding the inaccurate information on my credit report, specifically the account reported by the US Dept of the Treasury . I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and have yet to receive a satisfactory resolution.

My Concerns : 1. Failure to Provide Verification Documentation : Despite my repeated requests, Equifax has failed to provide any documentation or proof from the furnisher verifying the accuracy of the reported balance. Simply stating that the information has been verified without supporting evidence does not satisfy your obligations under the Fair Credit Reporting Act ( FCRA ).

2. Non-Compliance with the FCRA : Under the FCRA, credit reporting agencies must conduct a reasonable investigation of disputes. Your response suggests that Equifax has merely relied on the furnishers response without independently verifying the accuracy of the information or ensuring maximum accuracy in the reporting.

3. Burden of Proof : It is Equifax 's responsibility to ensure that all information reported on my credit file is accurate and verifiable. If the furnisher can not provide definitive proof, the disputed item must be removed from my credit report.

Final Request and Next Steps : I am demanding that Equifax either : 1. Provide all documentation and evidence used to verify the accuracy of the information in question, or 2. Immediately delete the disputed account from my credit report.

If Equifax fails to take appropriate action within 10 days from the date of this letter, I will proceed with filing a lawsuit against Equifax for violations of the FCRA. I will seek statutory damages, attorney fees, and any other remedies available under the law.

This letter serves as your final opportunity to resolve this matter without legal intervention. I strongly urge you to take the necessary steps to comply with your obligations under the FCRA. 
Sincerely, XXXX XXXX ________________________________________
Product: Credit card

I tried making a payment on my XXXX account with Comenity. I keep getting a message that a payment has already been applied and that I need to check scheduled payments. But there are no scheduled payments. I really just want to make my payment so I dont get hit by late fees and all that. 
I tried sending Comenity a secure message on their website and it didnt go through. I am hard of hearing and thats one of the very few options for me.
Product: Debt collection

I am writing regarding Westlake Portfolio attempted to collect a debt that was discharged in a bankruptcy. Westlake bought the auto loan for the XXXX XXXX XXXX from US Auto after the bankruptcy was filed and discharged. I reached out to my attorney who confirmed that although I stated I would keep the car, the debt was never affirmed by myself or US Auto. So basically while they have the right to get the car, they can not add accounts to my credit or attempt to collect on this debt. I disputed this with XXXX on XX/XX/XXXX and received a reply from XXXX on XX/XX/XXXX stating the debt is correct. I called Westlake on XX/XX/XXXX and ask that they remove this from my credit as this vehicle was discharged in a XXXX XXXX The rep told me that they just responded to transunion on XX/XX/XXXX, which they advised the debt is correct. I was not able to get any answers as to why, they refused my supervisor request.