23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : 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/2024. 
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Collection XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

MB financial is not updating my information with XXXX when they request information
Product: Credit reporting or other personal consumer reports

with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

. 682.411 ( c ) ( 1 ) states that for accounts XXXX days delinquent, the lender must send at least XXXX written notice or collection letter to the borrower informing the borrower of the delinquency. I received no such letter I did not even know they were my loan processor. Credit score dropped XXXX points in XXXX day. looking at my forbearance history Nelnet bought prior lender. prior terms not met. When inquiring about my XXXX option I was told that even if I submitted an application it's not likely that it would be processed and would likely get lost in their transition. they not meet the terms that have been set I never received any letters that address on file was a forwarding address and I would have received it if they sent it. BY acknowledging they would not do their due diligence FOR THOSE WITH A XXXX claim application XXXX right are violated. My credit report States only the XXXX mark they did not notify the credit bureaus XXXX or XXXX or XXXX in fact on my report I'm in good standing the months prior to the XXXX mark. Nelnet pushed aggressively that me disputing or reporting this would hurt my XXXX XXXX in an attempt to deter me from figuring out how I go from being in good standing standing the month before I get a XXXX notice on my credit report had any attempt been made to send me that letter or to even mark on my credit report XXXX XXXX  days I could have resolved this issue earlier instead they put me in good standing all the way up to a XXXX mark my loans are to be in forbearance and I pray for all those in the XXXX community that they figure out a way to not lose our applications as I was told on record over the phone in fact they stated they don't even have a team to process them so I may be out of luck that is direct inequity I should not have to learn about a XXXX notice I should have been contacted or dinged on my XXXX XXXX earlier as is an option But instead they decided to wait XXXX  days Before we could discuss it And even when we did I was told that they don't have all the records
Product: Mortgage

XXXXXXXX XXXX did nothing wrong mortgage Company lies on XXXX XXXX workers Pennymac was the Company doing illegal work
Product: Mortgage

Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.
Product: Debt collection

yes, i applied for a td bank pre paid credit card and the banker at XXXX XXXX XXXX, XXXX, NJ XXXX said i would be ok with this. he helped me and was very nice.
however, td bank stole my money, this secured account was overdrawn illegally, and i never got the prepaid card i was approved for and i lost hrs of my time XXXX $ and my credit suffered.
td bank has again stolen my money with incompetence.
additionally i always put money into td bank change and that was a scam and a fraud from td bank and i demand an accounting of all the change i used in their money machaine.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the account listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was contacted by phone by the Collection Center of Wyoming regarding accounts that were not mine that they were claiming were. These accounts were in the name of XXXX XXXX, and were medical bills in XXXX Wyoming and a cable bill in the same name at the same location. These accounts were old and I have never been contacted about them before now. I was an XXXX but divorced and changed my name in 2001 ; I have also never been to XXXX. I called the hospital that reported the debts ; these accounts do not match my social security number, middle name, or date of birth. The hospital called to remove this from my record. The collection agency also removed the cable bill. This collection agency did report XXXX medical bills to the credit bureaus before they contacted me about them. I was told that these were corrected but today are still showing on my reports. As I am planning to purchase a car this weekend, I again contacted them. They said they could write a letter that I can give to the dealership but it has to be approved by several people before they can get it to me and it could take several days. They should have verified that all information on the debts matched mine before this was ever reported to the credit bureaus. I should have also been contacted long before it was reported if they believed it to be me. I have never received any written communication regarding these debts.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a visa credit card account with Bank of America for 18 years. On XX/XX/2018 for the first time ever, I noticed fraudulent charges on the account for a total of {$330.00} by two companies XXXX & XXXX XXXX XXXX. I reported this to Bank of America, my credit card number was closed out and a new number issued. The fraud claim was investigated by Bank of America and the charges were credited back to me. On XX/XX/2018 I noticed new fraudulent charges from XXXX  again for {$100.00} ( note that I have never used this vendor for any services ) and after calling Bank of America I was told that the reason I am charged again is b/c both Bank of America and XXXX participate in a program offered by Visa  called " VISA XXXX XXXX '' where the bank automatically transmits new credit card numbers to Visa and Visa transmits it to vendor ( in this case XXXX ) to avoid disruption in subscription/service if a customer 's credit card info on-file changes. So instead of a customer directly calling a vendor to update his/her credit card info, Bank of America automatically does this service, WITHOUT giving the customer an option to opt-out of this service. In my case, the unfortunate situation is that someone fraudulently used my credit card information to open 6 separate accounts with XXXX and even though I closed that card number, Bank of America keeps transmitting my new number to Visa  and Visa to XXXX. Many financial institutions ( XXXX XXXX and credit unions for example ) do offer customers an aption to " opt out '' of " XXXX XXXX XXXX '' but Bank of America refuses to offer this option. This practice is not fair to consumers and in cases of fraud, like my situation, can result in fraudulent subscription accounts getting funded indefinitely unless the victim of fraud is forced to close his/her account with their credit card account holder. Bank of America also refused to block this particular vendor so future charges no longer appear simply b/c I did not authorize the charges to begin with since they are fraud charges.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Fulton Bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX account # XXXX, XXXX  outsourci account # XXXX, Inquiries : cXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from XXXX  via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at XXXX was monitoring that mailbox. 

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. XXXX then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and XXXX either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through my credit report and saw that a collection was added to my report and continues to grow currently. I didnt open this account and it shows that it is currently open. The name of the collection company is AWA COLLECTIONS and they are collecting for a company named XXXX XXXX and the debt amount is currently for {$420.00}. The account was opened on XX/XX/2019 and shows that its currently opened even though it was placed for collection. I want this debt collection removed from my credit report because I dont recognize it and am not associated with it. Im providing a picture of the collection that is on my credit report.
Product: Credit card or prepaid card

I have called 10 to 20 times and stated the issue, with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two different occasions I have been told that I have no equifax report when applying for credit. I can login to my equifax and see my report and information. I have contacted equifax several times about this issue. They are also not reporting all of my trade lines when those companies have assured me it is being transmitted correctly to equifax. They are denying access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Transunion : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX XXXX XXXX ) Account XXXX and XXXX XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ). You deleted this debt on XX/XX/2021 and 7 days later this debt back to my Transunion credit report. You stated by mail that you verified that these items are being reported correctly so how could this happen? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED ONCE AGAIN FOR THE 2ND TIME : MY UTILITY BILL FOR ADDRESS VERIFICATION, ID AND SOCIAL SECURITY #, POLICE REPORT, ID AFFIDAVIT via UNITED STATES POSTAL OFFICE CERTIFIED MAIL TRACKING # : XXXX mailed on XX/XX/2021 and delivered and signature by Transunion on XX/XX/2021. 
I was informed on XX/XX/2021 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I am keeping phone recordings and paper trail with all communication.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Unresolved Wire Transfer Fraud Wells Fargo Claim XXXX  XXXX Dear CFPB Representative : I am filing a formal complaint against Wells Fargo Bank, XXXX, regarding their handling and denial of a fraud claim related to an unauthorized wire transfer from my savings account ( XXXX ending in XXXX ), in the amount of {$1000.00} on XX/XX/year>. 

Despite my immediate efforts to report and stop the transaction, Wells Fargo determined that because the transaction was performed using my online credentials, I am liableeven though I did not authorize it. I reported the fraud to the XXXX XXXX  XXXX Sheriffs Office XXXX XXXX on XX/XX/year>, and a criminal investigation is underway under XXXX XXXX Case Number XXXXXXXX XXXX XXXX 

The funds were wired to a XXXX XXXX  XXXX Bank account held by XXXX XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX. I provided this information to Wells Fargo. They attempted a wire recall but were unsuccessful in retrieving the funds. 

I am protected under the XXXX XXXX Electronic Fund Transfer Act ( Regulation XXXX XXXX XXXX XXXX ) XXXX XXXX, which clearly states that a consumer is not liable for unauthorized electronic fund transfers if reported in a timely manner. I complied with all timelines and took action in good faith. The use of my credentials without my authorization falls within the definition of unauthorized under Regulation XXXX. 

I am requesting the CFPB to investigate Wells Fargo 's practices and to assist me in ensuring a full and fair resolution, including reimbursement of the stolen funds. I believe this case reflects a failure by the institution to honor federally mandated consumer protections. 

Sincerely, XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier today I received a notification that my credit score dropped by XXXX points. When I checked my XXXX report, I saw an entry, dated XX/XX/2023 from LVNV Funding, LLC, a company I have never heard of before. I clicked on a link to gather more information and there was none. Just an amount ( {$1800.00} ) and the companys name. 

I have had no correspondence from this company and I do not know what this is about. Moreover, I was not given an opportunity to do anything. This is XXXX 

I am attaching screenshots of the information in my credit file. It says its a collection account, but it doesnt give any information about the underlying debt. This is utterly ridiculous. Companies shouldnt have the ability to just make entries to your credit report just because they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.