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

XXXX XXXX is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by XXXX XXXX in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from XXXX XXXX however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.
Product: Debt collection

I am writing to request verification of a debt that you claim I owe, related to account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act, I would like to receive a copy of the original purchase agreement or other documentation that substantiates this debt, including the terms of the agreement and the date of origin and my signature that you're saying was provided. You keep saying XXXX XXXX but you're reporting on my credit report XXXX XXXX this is conflicting information. Please provide all documents to validate this debit Please send this information to me at the address you have on file within 30 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated XXXX, XXXX, and Experian has done such without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Debt collection

In XXXX of 2016, while reviewing my credit report, I noticed a collection from XXXX XXXX XXXX for XXXX in the amount of {$700.00}. Upon further investigation I found the account was open with an address I never lived at & the social security number used was similar to mine. The 5th & 7th digits were incorrect. I immediately filed disputes with XXXX & XXXX. Both agencies responded " Result Verified-No Changes ''. I then filed an Identity Thief Report with the FTC and sent letters to XXXX request they provide copies of the paperwork used to open the account ; copies of bills with phone numbers called ; any & all information showing when, where & by whom the account was opened. I filed a total of 8 disputes with the Credit Bureaus & all that was resolved was the wrong. They continued to claim the account was mine, but stated they COULD NOT provide me with any information regarding their investigation. XXXX never responded to my letters. Today, I received a collection letter from XXXX XXXX XXXX How I need to start the letter writing process with Convergent.
Product: Credit reporting

My XXXX account for student loans has been closed since XXXX and paid in full and they still are showing on all XXXX of my credit reports, I was told good standing accounts stay on you report for XXXX years but it 's been more than XXXX years, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  issues the XXXX XXXX card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the XXXX visa card which causes your overall credit score to drop. I attempted to rectify this issue with XXXX XXXX customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.
Product: Debt collection

Last week I received a collections notice from Biehl and Biehl regarding an incorrect charge. I responded with a letter stating that I was disputing the charge and included a full explanation of events. The next day XXXX XXXX from B & B called my office and she asked an employee of mine for the company email, which he provided, and then she asked to speak to someone about billing. That would normally be our bookkeeper but since I happened to be here I took the call. She informed me that I needed to pay {$400.00} today or " there would be consequences '' and I would end up paying even more. I informed her that I was disputing the charge and she continued to argue with me and tell me that even though the amount was never communicated to me I was still responsible for it. Almost immediately after that conversation she sent an email to the general mailbox for my company telling me my dispute is not valid. She attached a doctored version of the bill of lading that had additional information on it that I had never seen and was not on my copy. She also doubled down on her threat, writing that if I did not pay " obviously there will be consequences ''. When my employee read this and responded that it was inappropriate to send a collections notice to a general mailbox that was not my email, she replied, " This appropriate- I was given this email for XXXX per an employee. It seems Inappropriate that you would email me when I was told this is her email. '' I then responded to her email and told her that it was not my email address and also that her " evidence '' was something I had never seen and was different from the signed copy in my possession. She replied " This is a commercial debt. The FDCPA does not apply : it is funny because You are responding from the same email. '' I don't see what can possibly be considered " funny '' about any of this, or how a collections agency representative can communicate in this way. She still has not provided any proof that I owe this debt, but she has continued repeatedly calling both my job and my cell phone. She mentions a written quote but I had never received anything at all in writing from this company until they started sending me invoices and when I tried to contact them to find out what the invoices were about I was unable to get a hold of anyone. I never agreed to anything and I never signed anything. When an employee of mine informed her that I wasn't in the office she kept grilling him on when I would be there and wouldn't let him hang up. She then called my cell phone and left a message stating that I needed to take the offered settlement to " avoid an even more costly problem. ''
Product: Credit card

I applied for the Bank of America XXXX XXXXXXXX credit card with an advertised promotional offer of XXXX miles with a minimum spend requirement in the first 90 days. This was widely advertised on the XXXX XXXXXXXX website. I applied on XX/XX/2024 and was approved on XX/XX/2024. 

Today, I viewed the same XXXX XXXXXXXX website and was disappointed to see the advertised promotional offer had been increased to XXXX miles. As I only applied less than 2 weeks ago, I thought if I contacted Bank of America they would honor the higher advertised offer. 

I called Bank of America customer service and they gave me misleading information that this could only be adjusted by XXXX XXXXXXXX. I reached out to XXXX XXXXXXXX who told me this was false and needed to be rectified by the financial institution. 

I tried explaining the situation again to Bank of America but they refused to adjust the offer with no further explanation given.
Product: Credit reporting or other personal consumer reports

I submitted a dispute earlier in XXXX for a collection that is not supposed to be there. Transunion has not sent information on how they verified the debt. The debt is illegal and not supposed to be on my credit report. My lawyer sent a letter asking for verification method and have not responded back.
Product: Credit reporting

The employees at Experian is selling and exchanging information with XXXX XXXX and reporting adverse information in my credit file.They have refused to verify the adverse information they are reporting.No one has physically verified the actual signed contract account documentation that they are suppose to have on file already, before reporting the adverse information violating my rights under the Fair Credit Reporting Act.They refused to honor my Identity Theft Affidavit omb # XXXX, Blocking Request, and Identity Theft Reprt on file with the US Postal Inspection Service.They continually send me form letters threatening not to investigate ignoring my Identity Theft Report and Blocking Request .They also refuse to do a proper investigation.This account is inaccurate because it has not been verified.They are violating my civil rights and breaching their Legal and Lawful Fiduciary Duty by not doing proper investigation before reporting this adverse account.Federal Trade Commission Identity Theft Affidavit does not have an omb # issued by the director in accordance with the act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX  loan accounts opened numerous times. These fraudulent accounts consist of Dept of Education XXXX Accounts open XXXX, XXXX, XX/XX/XXXX, XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( XXXX ) 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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my concern regarding a dispute I recently raised with Amex/CBNA, which was verified under the Fair Credit Reporting Act ( FCRA ). The core of the issue is that there is an incorrect Social Security number associated with my file. Despite my requests, Amex/CBNA has refused to provide me with the necessary information or address my requests for information correction. They have also confirmed over a recorded call that my social security number is unverifiable in their system.

I hereby request a detailed re-investigation of this matter to ensure all information, particularly my Social Security number, is accurate and complies with FCRA standards. Any unverifiable or fraudulent information should be promptly removed from my records.

Thank you for your prompt attention to this issue. 

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

I was utterly shocked to see incorrect accounts on my credit report today, and I have no clue why theyre there. I check my credit report regularly, and Ive never encountered something like this before. I tried refreshing the page, hoping it was a mistake or glitch, but the errors remained. I am requesting a thorough review of the documents I submitted to ensure this doesnt happen again.
Product: Money transfer, virtual currency, or money service

Hello, Today, XX/XX/2020 at approximately XXXX XXXX  I opened up my XXXX XXXX XXXX and my PNC debit card was unlinked, preventing me from withdrawing money from said card to put into my investments in XXXX. As I attempted several times to relink my card by providing my PNC account information into the app, the following message kept appearing : PNC HAS MADE A CHANGE THAT PREVENTS YOU FROM BEING ABLE TO LINK YOUR ACCOUNTS. FILE A COMPLAINT WITH THE CFPB. THE CONSUMER FINANCIAL PROTECTION BUREAU MAKES SURE BANKS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY. YOU CAN ALERT PNC THAT YOU NEED ACCESS TO YOUR FINANCIAL DATA BY FILING A COMPLAINT WITH THE CFPB. 

Assistance is greatly appreciated. 

Warmly, XXXX
Product: Credit card or prepaid card

Capital One Credit card is holding ach debit for long periods of time. I resolve the first issue but they continue to place hold on cash. I have to call capital one constantly now and been with them for a while.
Product: Debt collection

I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name XXXX XXXX  Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX, buttonoavail.
Product: Student loan

I have applied for the XXXX forgiveness program under the new waiver that was announced in XX/XX/XXXX. FedLoan acknowledged receipt of my application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, they confirmed my employment was confirmed as eligible. On XX/XX/XXXX, FedLoan transferred all of my loans to them and they became my new servicer. On XX/XX/XXXX, they loaded my application results. 

Under the old rules, I had 7 qualifying payments. I was then told they'd transfer my application to Federal Student Aid ( FSA ) to review my payments from XXXXXXXX to present under the new waiver. FSA was then to get back to FedLoan with the results. 
Over the past XXXX XXXX months, I have called FedLoan 5+ times, including talking to their ombudsman line 3 times, to confirm everything was in order. Each time I was told all I had to do was wait for FSA to review my application under the new waiver. However, when I called Fedloan on XX/XX/XXXX, the employee agreed that he felt something was wrong and maybe someone had dropped the ball and that he'd get it fixed. 

Because this seems to be taking a lot longer than it has for many others and because of my call on XX/XX/XXXX, I called the FSA ombudsman line on XX/XX/XXXX. ( case # XXXX ) I was informed that my XXXX application was not uploaded into their XXXX system. Without FSA being able to access the application, of course they can not review for forgiveness. I then immediately called FedLoan to let them know they had failed to send over my application to FSA for review. I spoke to an ombudsman at FedLoan, XXXX, employee number XXXX. He told me my application is showing up in the National Student Loan Data System and he isn't sure why FSA can't access it. 
I called FSA to let them know that FedLoan believes they sent over my application on XX/XX/XXXX but I had to leave a message and no one has called me back. 

At this point, there seems to have been a failure to communicate between FedLoan and FSA re : my request for XXXX forgiveness. I feel helpless to rectify the mistake and no one seems to know how to assist me. I am desperate for FSA to review my application for forgiveness as I believe I qualify and we start paying loans in just a few short months.
Product: Debt collection

XXXX XXXX - Debt regarding an apartment moveout fee, threatened credit damage. The agent taking the call was named XXXX XXXX XXXX would not provide a last name or employee ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Vehicle loan or lease

The car was towed due to first payment being late.spoke with XXXX he refuses to release the car. He stated that she would need to pay the entire loan off to get the vehicle that was not apart of contract to make monthly payments.
Product: Mortgage

On XX/XX/2023 Freedom Mortgage processed my mortgage payment. Rather posting the entire payment, they decreased the payment by {$50.00} and posted the remainder of the payment. They then posted the {$50.00} to escrow separately and charged a {$50.00} fee to my XXXX statement. Today I received a notice from Freedom Mortgage stating that I had not paid the entire regular monthly mortgage amount.
Product: Debt collection

I have disputed this collection 6 times and it was taken off my report years ago and put right back on I have screen shots of proof now they are calling me with a new amount saying lcvc was originator but they are collecting I told them it was deleted 3x and they didnt care
Product: Money transfer, virtual currency, or money service

I mad a mistake and sent the wrong number money and contacting them telling them it was a mistake I sent to wrng number I send pic of me texting the number and getting no response. I had the last number wrong and they could tell cus I still end up sending the money again but to tht correct number it wa around XXXX 2023