23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SEE ATTACHMENT! 

Missouri Higher Education Loan Authority ( MOHELA ) Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Subject : Request for Account Verification and Compliance Documentation Dear MOHELA Customer Service , I am writing to request account level documents for my student loan account. Specifically, I seek to verify the amount owed and ensure compliance with Federal Law 15 USC 1681b ( 2 ). Additionally, I request proof of consent for sharing my nonpublic personal financial information with non-affiliate third parties, including credit reporting agencies.

Please provide the following : Account Verification : Please provide a detailed account statement that includes the principal balance, accrued interest, fees, charges, and transaction history. Include any recent transactions or adjustments to my account. 
1. Original creditor 's name and contact information.

2. Full account history with all transactions.

3. Details of interest or fees associated with the debt.

4. Proof of MOHELA authority to collect this alleged debt.

5. Agreements or contracts relevant to the alleged debt.

6. Verification of the debt 's accuracy, including the claimed amount.

Compliance with Federal Law 15 USC 1681b ( 2 ) : Confirm MOHELA 's compliance with Federal Law 15 USC 1681b ( 2 ) regarding the sharing of consumer credit information with credit reporting agencies. 

Consent to Furnish Information : Provide documentation demonstrating MOHELA 's lawful authority to furnish my financial information to non-affiliate third parties, including copies of consent forms or agreements.

I kindly request that you provide these documents within 30 days of receiving this letter. Failure to comply may necessitate further action on my part.

Please send the requested documents to : email address on file Thank you for your prompt attention to this matter. I anticipate your timely response. 

Sincerely, XXXX
Product: Credit card or prepaid card

This has to do with a timeshare we notified XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 to stop doing auto pay, XXXX XXXX we removed our profile information along with our Master Card ( XXXX  ) this is their Credit Card. We notified the credit card company to not accept any charges from XXXX and to put a security lock on the account. we had a lock on the account and the charges were still going through. 
Chase XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. 
Chase notified XXXX XXXX to stop charging our credit card on XXXX XXXX. 
In XXXX we sent registered mail the paperwork they sent. 
On XX/XX/2021 we mailed them paperwork regarding the dispute for XXXX charges. We called to follow up on the paperwork they claimed they never received it we didn't send this registered mail. They suggested we wend the file from a chase bank by fax which we did. they removed the charges. they have since put them back on.we called Chase dispute again and were told you signed a contract they have the right to bill your Credit Card. Please send the file again we are being billed by XXXX XXXX for the charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021.
Product: Vehicle loan or lease

On or around XX/XX/XXXX, I leased a vehicle from Tesla Finance. At the time, I was a XXXX XXXX and I took possession of, and registered, the vehicle in XXXX. To date, I am in full compliance with my lease agreement, having timely made every monthly payment. 

In XXXX, I relocated to XXXX. Pursuant to XXXX law, I am required to register the vehicle in XXXX within 30 days of relocating. In order to do so, I need a copy of the title from Tesla, along with a power of attorney or other document authorizing me to register the car. 

On or around XX/XX/XXXX, I wrote to Tesla requesting the necessary documentation to register the vehicle in XXXX. In response to the request, I was told I should have the documents in about 4-6 weeks. To date, I have still not received the documents and have not been able to register my car in XXXX 

I have attempted on numerous occasions to contact Tesla to find out about the status of the documents. When calling the only phone number that is public, I was directed to send an email and/or leave a voicemail on a " general '' mailbox. I have left numerous messages ( both voicemail and email ) and the only responses I have received have been non-specific, with statements on the order of " Its probably some delay at DMV. '' Despite my requests, I have not even been provided with anything to confirm when ( or even if ) any request was actually made by Tesla to have the title documents pulled from DMV and sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the company or agency Credit Plus that submitted inquiries on all 3 of my credit reports without my consent. I did not apply for anything with this company.
Product: Student loan

I have been repaying college loans for XXXX daughters since XXXX. Navient has made multiple errors recording payments. There were multiple subaccounts and also XXXX daughter got navient loan for XXXX school which has caused a few errors. I have asked and later demanded that Navient provide information and have their qualified manager verify my actual balance and compare their records with mine to verify all my payments were recorded and correct interest applied. Navient has many times mailed me a packet of information but that does not demonstrate my concerns. I seriously doubt that I still owe more than {$8000.00}. I am highly concerned about the multiple errors navient has made including several in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item DISCOVER BANK is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX XXXX changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time  between my XXXX payment submission & payment posting ( 5 days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when  attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to make a payment to ensure that my account was current. That payment was made on-time.

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called XXXX 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my Experian credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX XXXX mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit 92 points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XXXX
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX and ERC either company, s have not tried to contact me over this bill if i owe. i checked my cell.I had this problem months ago with focus should be on file. They continue to do this.i will call erc today and let them know i have already file a complaint with XXXX and cfpb about this. That they wrongfully put this on my report and they should have XXXX XXXX call me on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had an XXXX XXXXXXXX XXXX  and I purchased this car back in XXXX and it was never supposed to go on my credit. Also the car is back with the company due to them not being able to fix the car it was broke. The balance is incorrect I also have a letter from them saying it wouldnt be a repo.
Product: Credit card or prepaid card

On XXXX XXXX me and my wife along with a couple of friends took a cruise why on the ship we attended a XXXX XXXX art auction. They offered free art if you apply for a credit card explaining that no strings were attached so i did little did i know about XXXX weeks after i return home they would start billing me for art work i never agreed to purchase .First the company said my wife purchased it using my card then when i explain to them she not authorized to make a purchase using the card i was told because we share the same address they can allow her to make the purchase.When i file a written complaint they attempted to show paper work that forged with a fake signature that not even how i write my name to make things worst they say out of the four pages signed only one has a G as the signature i always use my full name and i would have signed every page of the purchase and not just one
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.
Product: Credit reporting or other personal consumer reports

From my last dispute with Equifax in the month of XXXX and XXXX of them having my name mixed up with someone esle report.they stated that the accounts I had disputed were removed from my consumer credit report.when I called Equifax about the accounts been removed they stated that they were not removed after stating to cfpb they were removed and gon na send me an updated credit report.its XX/XX/XXXX, and I still have not received my updated report i am submitting my Identification along with my s.s.n Also the removal of the address I have told them I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only address that should be on file is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX Texas XXXX My phone number is XXXX XXXX All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Product: Credit reporting, credit repair services, 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, XXXX XXXX  Account Number XXXX, Account name XXXX Account Number XXXX, Account name : XXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX  Account Number XXXX, Account name XXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name 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 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

I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, XXXX and TRANSUNION Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union about the personal information on my account and they refuse to correct the inaccurate information, my correct name is XXXX XXXX not XXXX XXXX XXXX. 
XXXX is my wifes name. I HAVE NO PHONE AT THIS TIME due to a protection order i have in place on another person. 
I WANT THIS CORRECTED ASAP.
Product: Vehicle loan or lease

I refinanced my vehicle with Navy Federal Credit Union in XX/XX/XXXX. I signed submitted all required paperwork for them to take over the lien and Title. But they never obtained the title and raies my interest rate to 18 %. This should not have been done because I submitted the paperwork more than once for NFCU to be the lien holder. 
In aprox. XXXX of XXXX I got a registration loan on the vehicle and somehow the place I got the loan but somehow they put a lien on the title making them the lien holder. 
In XXXX I asked them to refinance the loan and add the amount owed to the loan company so that it will pay off the loan and give NFCU possession of the title and they declined the loan. I have been paying higher interest on my auto loan and should not be paying more because this was an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


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

I called Transunion today and customer service would not help me with my inquiry problem. It seems that Transunion removed inquiries from my report then reinserted them without providing proper notification to me required by law. According to section 611 of the FCRA any inquiry that is taken off and then put back on by the reporting agency must be followed up with a notification letter by mail within 5 days of doing so. They did not provide this and thus have violated the law. I am demanding that the following inquires be removed and a new credit report be sent to me. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX again 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX 11. XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and Im completely lost as to how this happened. I check my credit report regularly, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. The accounts are still there, and Im desperate for this issue to be resolved. Please review the documents Ive sent thoroughly so I can finally have peace of mind.
Product: Credit card

In XXXX of XXXX  Capital One offered a " no annual fee, cash bonus ( XXXX dollars ) " promotional credit card. I requested and received the card. I met the requirements of charging the required amount of money within the specified time limit to quality for this promotion. 

When I asked for my bonus cash money I was told the card they issued me did not qualify for the promotion! This is the classic bait and switch scam! 

As information my credit score is between XXXX and XXXX.
Product: Credit card

To Whom It May Concern, I am writing this letter to address a recent late charge with XXXX XXXX account XX/XX/XXXX. On XX/XX/XXXX, I inadvertently used the wrong card to make a payment of XXXX, mistakenly using my credit card instead of my debit card. I was unaware that the payment did not go through until I was contacted by XXXX XXXX on XX/XX/XXXX. I immediately corrected the issue and the payment of XXXX $ was successfully cleared. The delay in payment was unintentional, and I was under the impression that the payment had gone through when I provided my card information. 
I have been a loyal customer of XXXX XXXX for the past XXXX years, and I have always valued the services provided. 

I understand the importance of maintaining a good credit history, especially as. The missed payment has resulted in a significant decrease in my XXXX XXXX, despite my immediate action to rectify the situation. I believe it is unfair to report my account as being 30 days late when this was not the case. I have always been diligent in managing my finances and have never intentionally missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020 a company called fix my credit applied to equifax to remove a default on my credit report lodged by XXXX. On XXXX XX/XX/2020, Equifax emailed me to state they needed a 21 day extension. This expires on Saturday XXXX XX/XX/2020. I lodged a complaint after the first 30 days with XXXX who sent both myself and Equifax an email advising them they needed to get in contact and that a complaint had been lodged. I myself also sent two emails to the Equifax assessments team that look after investigations into errors/defaults. They did not respond. I have spoken to their customer service staff many times and keep being told XXXX are not getting back to their assessments team. They cant transfer me to their assessments team as they tell me this team do not take calls. They will not give me a date this should be resolved by. They have told me they will send an email to the assessments team each time i call but it has changed nothing. I have told them their not lifting the error is going to cause me financial hardship as i cant obtain a new job without them fixing the error default. They aren't concerned. I was given a number for their complaints team but each time you call, you wait on the line, then it comes up they are all busy and to leave a message. I have but no response. I have tried calling the creditor, XXXX, but was told that the team i need to speak to are back office and they dont take calls either? 
I give up. I really will be financially disadvantaged if they dont fix this timely. Its already been 42 days. Can you help me?
Product: Checking or savings account

i have been getting money took from my checks for two months in sent to a savings account that i did not create i closed the account but can't get my money from it they said they did not see me in there system the last date they took from me was on XX/XX/XXXXXXXX XXXX XXXX