23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

1 ) My spouse and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My spouse and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my spouse and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with WF b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) reply from XXXX XXXX XXXX ) All we are asking is for the XXXX account to show a zero balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my report.
Product: Mortgage

This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.
Product: Debt collection

First Reported XX/XX/2013 Original Creditor XXXX XXXX XXXX XXXX " MULTIPLE '' negative entries on my credit!!! I do not owe this. I want these multiple entries removed from my credit report!! I also want XXXX XXXX XXXX  reported to the XXXX XXXX XXXX  for this! Unethical business practice XXXX!! 

Thank you.
Product: Student loan

My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.
Product: Credit reporting or other personal consumer reports

My student loans were transferred between loan servicers from XXXX to MOHELA over a year ago. When this happened, XXXX began reporting my student both from XXXX and MOHELA, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. XXXX told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.
Product: Checking or savings account

There seems to be a major problem with TD Banks back-end accounting system verses actual online transaction history that is not reflecting in " REAL TIME! '' Several transactions that I have made within just over 1 week has created unjustified overdraft fees to my TD Business Simple Checking account. The dates in questions are as follows : 1. ) XX/XX/2020 Maintenance Fee of {$10.00} bringing my account first negative at - {$6.00}. 

2. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to {$21.00}. 

3. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$59.00}. 

4. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$130.00}. 

5. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to - {$260.00}. 

These Overdraft Fees were applied incorrectly/unjustly and I would like this to be correctly applied to my account and refunded all " relative '' unjustified/errored Overdraft Fees to be credited back to my account. I am going to pay off this balance today to bring my account back into the positive status but would like to be credited back the unjustified Overdraft Fees! 

Thank you.
Product: Debt collection

I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! 
I disputed on all my credit reports ... to no avail. 
I asked XXXX to provide me with statements or some type of evidence and they could not. 
Nor could ERC collection agency.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXX XXXXXXXX XXXX Balance {$13000.00}
Product: Checking or savings account

FEMA credited my account {$6800.00}. It was deposited to Sofi, then it was moved to a brokerage within SOFI. Upon informing SOFI, they froze my account. By the time I was able to get back into my account, the money was Gone. Sofi refuses to return the deposit back to FEMA.
Product: Debt collection

H & R Accounts is collecting a debt for XXXX XXXX XXXX. I am a XXXX veteran, who receives full medical benefits on behalf of the XXXX XXXX and have sine XXXX. All of my medical claims were paid by the Government. This is the only claim submitted for my full inpatient stay in XXXX. The amount was for originally XXXX and paid according to the VA. I am not responsible for this collection and it should be submitted to the appropriate company for processing. I contacted the company 5 months ago and they stated they would follow up with the original creditor and resubmit for payment.
Product: Vehicle loan or lease

XXXX XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent CAPITAL ONE AUTO FINANCE a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car Dad. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : 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.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX XXXX XXXX in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 

ALL RIGHTS RESERVED DONE IN GOOD FAITH.
Product: Credit reporting or other personal consumer reports

I saw an inquiry from Mpower Financing on my credit report today XX/XX/XXXX, which I did not authorize. The inquiry date was XX/XX/XXXX ; a time I did not have a social security number and was not already in the United States.
Product: Mortgage

On XX/XX/XXXX I requested a payment be withdrawn from my XXXX XXXX XXXX ACCOUNT on XX/XX/XXXX. I provided the correct routing # and account # for the payment. 

On XX/XX/XXXX I noticed the funds were not withdrawn and immediately contacted Shellpoint Mortgage to inquire why. They initially said my payment was returned for non sufficient funds. I immediately contacted XXXX XXXX and verified they never even tried to collect the money that was in the account and available since XX/XX/XXXX. I immediately contacted Shellpoint and told them a returned check is not possible because 1. The funds were available 2. They never processed my payment. They responded that due to Shellponts internal error they processed the payment using the wrong account number, not the one I provided in writing. 

Now they will not reprocess the payment they messed up on nor the XX/XX/XXXX payment I had pending because their internal error extends my past due. Now they want all four months at once & threatened foreclosure. When I have acted in good faith making the XX/XX/XXXX and XX/XX/XXXX payments trying my best to ward off foreclosure making payments as I could in good faith, their internal error is putting me in jeopardy and it was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/22. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX OH XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$500.00} $ 374 Monthly XXXX Transfer/Sold Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$500.00} XX/XX/XXXX This account was paid in full
Product: Debt collection

Contacted XXXX in 2017 when I found that the tenant XXXX XXXX XXXX XXXX at the time did not transfer account over to his name. XXXX told me to have tenant contact them to have account transferred and they would send out a letter to have signed by me and tenant. Instead of XXXX transferring the account they made up a new account and never sent out a new letter. 

After several attempts of contacting them and disputing the account with the credit bureas, I decided to reach out to you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXXXXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX XXXXXXXX account shows discrepancies across all three credit bureaus ( XXXX, XXXX, and Equifax ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Equifax and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision. 
15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute.

2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement. 
3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Equifax. 
Desired Resolution : XXXX removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Equifax. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Money transfer, virtual currency, or money service

No warning and sent to wrong person couldn't get money back
Product: Vehicle loan or lease

DATE : XX/XX/XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX My vehicle XXXX XXXX XXXX was repossessed from XXXX XXXXXXXX XXXX  on XX/XX/XXXX because I was XXXX XXXX XXXX and defaulted on the loan to buy the vehicle. I contacted USAA and spoke to a representafive XX/XX/XXXX who reassured me that she would notate my account that I would be making a partial payment that week and that I was going through a hardship. I thought my car was stolen, I even have a police report and pictures of tire marks. It wasnt unfil several weeks later that I found out that my car was reposed. I never received any mail stating this would happen. When I checked my account, I saw that payment was not taken. 

I demanded in a certified letter USAA return to me all of my personal property ( professional tools, gym bag, WEDDING ring in center console, monies in door and console, mail, 2 rocking lawn chairs, tools, party supplies, beats headset that where in the vehicle along with the tags immediately. My personal items are very valuable. I have never received any noTice from repo company or USAA about my personal belongings.

USAA does not have a right to keep my personal property or to charge me a fee to recover it. They have a secured interest in the vehicle only ; my personal property is unsecured. If they do not return my personal property, they are liable for conversion, negligence, and remedies provided by the Uniform Commercial Code. See RCW 62A.9A.625.

Contact me as soon as possible to tell me when I will receive my property and the vehicle tags.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at XXXX XXXX XXXX. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX   Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named Portfolio Recovery which the XXXX XXXX accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted Portfolio Recovery as well. XXXX   agent and myself contact XXXX XXXX and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with Portfolio Recovery and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.