vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group
State: NV

Complaint narrative:
My paychecks had been garnished since XXXX of 2024 in the amount of {$320.00} per check. The last garnishment from my check on XX/XX/XXXX was an amount of {$500.00}. I owed a total of {$2200.00}, but I have now paid a total of {$2700.00}. I contacted the firm in which I owe and they still say I have a balance and are trying to figure out why. They are going to continue to garnish my wages until this is settled and at this point it is overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear MOHELA/DEPT OF ED I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. MOHELA/DEPT OF ED- {$1000.00} - 2. MOHELA/DEPT OF ED - {$1700.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
someone sent me a XXXX  for products and/or goods in exchange. the amount was {$1000.00}! i sent this money to the person with the products. the following day they asked me for my email and first and last name on XXXX  because their bank is suspecting fraud so i sent it! 2 days later my digital wallets are all cloSed including XXXX XXXX XXXX XXXX  because they disputed the payment of XXXX!! ive called my bank several times and even had 2 claims that were BOTH closed! i even asked them cam i send the proof that the payment was supposed to be made. i also contacted the merchant XXXX  XXXX and she also refused to send my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
Cb/indigo sent me a card, charge a yearly fee everytime I tried to use it it was under investigation I told them to cancel it, they keep adding fees XXXX  closed but XXXX didn't. I'm not paying for card couldn't use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I recently discovered a random collection account on my XXXX report. I have never received notice of this collection. I have attempted to contact the collection agency by calling their recorded line, but they refused to provide me with any information about the account. The law requires them to provide me with a written notice before reporting this account, as well as the name and address of the original creditor. Instead, they tried to charge me for looking up my account. They wanted my full social security number, address, D.O.B. as well as my personal payment information. I have filed complaints with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. I demand that this account be removed from my XXXX report, as it violates my rights. Attached is the only relevant data I have on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed my personal information on XXXX to Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious information is spoiling my credit worthiness. 

THIS IS MY CORRECT NAME : XXXX XXXX XXXX THIS IS MY CORRECT ADDRESS : XXXX XXXX XXXX, XXXX XXXX NJ XXXX MY CORRECT PHONE NUMBER IS XXXX ANY OTHER VARIATIONS OF THIS PERSONAL INFORMATION IS NOT MINE. PLEASE STRAIGHTEN THIS OUT FOR ME. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am writing to report significant mortgage fraud identified through a forensic audit of my home mortgage. The audit revealed that my mortgage note was improperly securitized and sold to investors, resulting in the unlawful separation of the note and deed of trust. This separation has created legal uncertainties and potential fraud, making it unclear who has the legal standing to enforce the loan and initiate foreclosure. The audit also uncovered that the mortgage note was turned into a security without proper documentation and transparency, violating multiple federal and state laws, including the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and relevant provisions under the Uniform Commercial Code ( UCC ). 

I request your immediate investigation into these fraudulent practices, which have jeopardized my financial stability and legal rights as a homeowner. The actions of the involved parties, including the lender, servicer, and securitization entities, have likely violated regulations set forth by the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and state-specific laws. I seek restitution for the financial harm caused and enforcement of legal penalties against the responsible parties to prevent further abuse of the mortgage securitization process. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Ive had my XXXX XXXX XXXX since XX/XX/XXXX. Due to financial hardship and me being a contract worker I requested at least XXXX or XXXX of my payments be put on the back end of my loan. I was instantly denied and I asked to speak to a supervisor I was denied that. I had to call back XXXX more times and was finally able to speak with a supervisor who was not only rude, but didnt even notate my account of why I couldnt make my payments on time. I asked to speak to the executive office and was denied that, but yet the executive office called me when I made a complaint against them. I really find it hard to believe that they cant help me push at least XXXX of my car notes to the very end of my loan. This company is very unprofessional, extremely rude, and will not help you at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage company - SPS ( Select Portfolio Servicing ) performed an escrow analysis on my account and accordingly my payments were increased. Upon reviewed the analysis I realized they are not using the correct tax amount as my property taxes is significantly lower from what they are estimating. After several phone calls, SPS advised me to email a different company XXXX with the documentation showing the real tax amount. I emailed that company on XXXX/24XX/XX/year> and now we are XXXX weeks passed and I did not get any response. I tried calling again and I was told that I need to wait till XXXX. This is absolutely outrageous as my tax payment are almost {$800.00} lower PER MONTH!! why would i need to wait so long??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear US DEPARTMENT OF EDU I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW US DEPARTMENT OF EDU- {$2000.00} XXXX ACCOUNT # - XXXX XXXX. US DEPARTMENT OF EDU {$1100.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive started to do research on my credit report and Ive seen that I had fraudulent account 's opened without my permission or consent. XXXX account is from XXXX XXXX  # XXXX of {$780.00} dollars from dates XXXX and XXXX. This account is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a home in XXXX from a company and the refinanced in XXXX with another company. That mortgage was acquired by Wells Fargo in XXXX. I started making my payments to wells. I refinanced with Wells Fargo in XXXX and paid the mortgage off in XXXX. In applying for a Heloc with another bank, I discovered I still have an outstanding XXXX against my home from the original lender. Title companies wrote policies and no one cleared this old XXXX. XXXX refinanced me in XXXX and never said a word. I cant sell my home, my most valuable asset, nor can I get a line of credit to make repairs. I paid them for XXXX  years and the deal was my house would be mine, free and clear. I have addressed with them and they basically stated that I am out of luck and there is nothing they can do since the original lender was never affiliated with them. Now the original lender is out of business. Please help me clear my homes deed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/year> XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX ACCOUNTS THAT NEED TO BE DELETED BOOM PAY XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 
Dear, CAPITOL ONE BANK I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report.

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief