23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Over the past two years, I 've used a short term loan product from XXXX on 3 different occassions. In every instance, they 've incorrectly reported the accounts on my Transunion credit report. I 've disputed the accounts and had minor corrections made ( usually changing " open '' to " closed '' ) but the account keep being re-reported incorrectly. Recently, I received a report and saw XXXX closed accounts again reporting as open with balances and a large drop in my credit score. I want these accounts reported correctly or removed. This company 's business already skirts being legal and I would definitely call them predatory but to damage their customers credit so that their options continue to be limited is unacceptable. Here are XXXX example accounts with the problems noted and screen shots from their own web site showing the errors. 

1. ) Loan for {$800.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Reports on my Transunion report as opened on XXXX/XXXX/XXXX with a high balance of {$1000.00}. Last payment listed as XX/XX/XXXX (?! ). Listed as open with a balance of {$330.00}. Last reported/updated on XXXX/XXXX/XXXX XXXX. ) Loan for {$600.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Listed on Transunion as open with balance of {$480.00} and last payment on XXXX/XXXX/XXXX. Information last updated/reported on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$700.00} ; XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX {$560.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$170.00} ; XXXX XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX Balance : {$77.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the summer of XXXX, on XX/XX/year> I contacted XXXX for a credit limit increase on my credit card. They went ahead and did that but did not warn me that they will be doing a HARD inquiry on my credit report. Had they told me so I would have NEVER asked for the increase. A while later I caught the mistake and called the bank to remove the inquiry. They admitted their mistake and they said they would send a letter to Experian to remove the erroneous inquiry. Needless to say I checked my report last week as I was thinking of getting a new credit product and notice that the inquiry was not removed. I contacted XXXX and Experian NUMEROUS times and both organizations have been giving me run around, telling me that the other organization is responsible and REFUSING to help me. I am fed up with their XXXX  and need your help please!
Product: Debt collection

Around XX/XX/XXXX and XX/XX/XXXX Williams Rush & Associates LLC, contacted my mother whom resides in a different state than me, discussing information for a debt they claim that I owe them. My mother passed the message onto me right away after they told her they would revoke my XXXX XXXX license. I reached out to them via telephone as soon as I got the message. After, receiving nothing but demands, threats, and unprofessionalism I ended the phone call in told them I would prefer to communicate via mail correspondence. 
Since XX/XX/XXXX up until XX/XX/XXXX I have been sending certified mail correspondence requesting more information seems to they had already put a {$3000.00} debt collection on my credit report. For months they failed to reply to my letters within a timely manner up until today XX/XX/XXXX in which they still failed to provide me the information requested. Instead, they sent me only a contract from they original creditor whom I no longer hold a contract with or owe any monies. It has been well over 120 days I have been patient with them in they failed to comply by any of your federal laws. This is an act of Defamation, a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, a credit card account opened at XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at DEPT OF EDXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I received a garnishment notice from my employer for an auto purchase debt that is nearly 10 years old ( approx ). This garnishment notice is attached. 

This debt is a time-barred debt and debt recovery is in violation of he California Rosenthal Fair Debt Collections Practice Act. 

It is well over the 4 year statute of limitations and judgement was files in a county I do not live nor have ever lived and is also not in a county where the debt was originated. 

I received no summons and did not know I was being sued for a debt that is this old.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Equifax and XXXX 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. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I submitted a case XXXX on XX/XX/22 to unlock my card for use. I followed up via phone a couple weeks later as well. My card is still locked.
Product: Credit card or prepaid card

On XX/XX/XXXX we sent a letter to Citi Banks customer service office and their executive office in requesting a good will adjustment of a late payment reporting from XX/XX/XXXX. The basis of our request was that we have a XXXX year old son who suffers from XXXX XXXX which inhibits his ability to XXXX and XXXX. We recently have sold our two story home to transition to a single story home for his safety - we are in the process of trying to obtain a mortgage. In the letters sent to Citi we clearly made them aware that our son is XXXX and we were suffering a hardship with trying to obtain the mortgage - ergo the request for the goodwill adjustment. Included with the letters were two photos of our son as proof of our claim and reason for request. On XX/XX/XXXX we received a call from XXXX XXXX with Citi 's executive office. I again explained my circumstances to XXXX and she told us there was nothing she could do. During the call XXXX and I argued the validity of the late reporting and the accuracy of what Citi was reporting to the credit bureaus, The call ended on bad terms. After this conversation we ( my wife and I ) made the decision to sell our pickup truck to pay down this account to reflect better on our credit reports. On XX/XX/XXXX we took the proceeds of that sale and made a {$4500.00} payment on this account brining our total usage down to {$3400.00} of the available credit limit of {$8000.00}. Today I received an email with a notification that our credit limit was being reduced from {$8000.00} to {$3200.00} - less that what is actually on the account! In reading the letter it cited that the reason for the decrease was due to factors on my credit report. Admittedly my credit was in poor condition which was the reason for the initial call, but since this account has been open my credit report and score has been less than what it is now. It was suspicious that this decrease came on the heels of making my request to Citi and my disputes against them with the credit bureaus, and notifying them that I have a XXXX son and am in a hardship. The fact that my credit has been much poorer during the time that this account has been opened and the limit has not been decreased leads me to reasonably believe that this action is being taken against me to be punitive and discriminatory towards me given the information they had and the timeframe of the events. I again reached out to XXXX XXXX today and advised her of my issue and complaint. Again XXXX was not helpful and said if I felt I was being discriminated against I could advise them in writing. Please consider this complaint notice that I feel as though I am being discriminated against based on my situation and having a XXXX child. The timing of the events with this account are too well matched to the unpleasant phone calls and information being provided to Citi to be coincidence.
Product: Checking or savings account

On XX/XX/year>, I was contacted by my bank, wellfargo ( XXXX ) saying that there is a suspicious purchase. I told them it wasn't me, I was told it was declined. 

Then on XX/XX/XXXX at XXXX, I was contacted again asking if I made a payment to a bill. I said yes. That was me making a payment to my bill. Then, as I was on the phone with Wells Fargo agent I see a wore transfer being set up and sent. I ask for a stop on the wire. I was assured it was stopped. Half hour later it cleared out. 

The amount of XXXX plus {$25.00} wire service fee was all gone from my savings acct. 

I immediately hung up the phone and called wellsfargo myself to make a complaint. They left me on hold for XXXX XXXX  I hung up again and called again. Then was told they can not speak to me I have to go to a branch office to identify myself. 

Branch office was closed by then. So I went Saturday XX/XX/XXXX. They called fraud dept. And they were closed I had to come back Monday. I went on Monday put in the complaint at the branch office. 

Then fast forward to now, I just received a letter stating from the bank that after their investigation they find no fraud and will not reimburse me the money. 


I have call logs, text messages, screenshots of the wire transfer information everything. 

I did not authorize this and I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a XXXX XXXX loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and Experian is becoming no help along with XXXX XXXX
Product: Mortgage

Company : Mr Cooper Issue : I had an autopay set up for my home mortgage when this company took the loan over ( as usual without my permission or acknowledgement ) from my previous bank. 
Now I can't set up my payment again as the site gives 403 error. I also had NO help from the live chat agents as they keep diverting me. Finally I had one agent charge my XXXX account but I don't see it reflected in the Mr cooper site and still get threaning notifications saying i have to pay a fine. 
I'm appalled at this lack of control i have as a user in this mortage system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX XXXX XXXX XXXX  accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

Paypal transaction Amount. XXXX Product I purchased XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Company sent a XXXX ornament instead of compost bin Sent from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ. XXXX I believe the. Website was fake from a XXXX search and I. Click on the fake Website PayPal link or icon and made the transaction.