23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A check was deposited in my name from a bank I've never heard of. I'm XXXX XXXX XXXX I've been banking with Wells Fargo for years not once have I had anything like this happen until now. The check deposited into my account was invalid and I didn't deposit it or the transactions and they somehow got authorized and I didn't give anyone my stuff I was able to get my card replaced and changed my stuff but because of this check returning my account is negative and the bank is trying to close it because of that I sent a dispute and today they said there were no errors. I don't want to lose this account and I'd like to have the charges removed I can't stay in negative numbers it's very scary the check was XXXX dollars I issued a claim about both the transactions and check XXXX XX/XX/XXXX and the other today XX/XX/XXXX the thing was deposited XX/XX/XXXX or XXXX I had no idea please help me it would be very difficult because to them they think I made it and trying to have me pay the stuff back when I didn't use it. They deposited the check at Wells Fargo and I didn't do it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX c XXXX. I have a bankruptcy XXXX XXXXXXXX on my account. I have tried to dispute it with Experian, XXXX and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time Experian told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Debt collection

The company is claiming I owe a debt that was already paid in full years ago.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT I, as an individual with rights protected under 15 USC 1681, assert that XXXX, TransUnion, and XXXX, as credit reporting agencies, are subject to the regulations outlined in the same statute. My rights under this law have been repeatedly violated. Therefore, I request the removal of the accounts and Hard inquiries detailed below. As per 15 USC 1681, I maintain the right to privacy, and XXXX did not obtain written permission from me to disclose these accounts.XXXX XXXX  Inquiry : 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with Experian or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Student loan

I submitted an application through mohela in XX/XX/XXXX under the XXXX program. At that time I submitted all information past employers and the consolidation information. On XX/XX/XXXX I updated my application that was received by mohela adding XXXX more employer. In XX/XX/XXXX I noticed on the website that I had to qualify and payments for removal and forgiveness of my loan. Mohela also sent me a letter stating that that was the case. In XXXX of 2022 I spoke to an XXXX XXXX XXXX he also left a message on my answering service noting that I had XXXX qualifying payments. I spoke with him again and early XX/XX/XXXX and was told that I had the qualifying payments but my loan was sent to the XXXX XXXX XXXX for XXXX. In XXXX I also contacted the XXXX XXXX XXXX and noticed that mohela did not submit my loans as previously stated. I called in several times and got conflicting information. I repeatedly ask why my account was now showing that I only had XXXX qualifying payments but in my inbox on the account it noted a letter that I received in PDF form that needed I had XXXX qualifying payments. I later contacted the chat and requested to speak with an unbudsman to support my case. The chat feature although it was activated to representatives XXXX and XXXX repeatedly removed me from the chat when I questioned the continuity of the information that I was being told. Often I call into mohela and I have a wait time of over XXXX hours. When I finally reach a representative I am told conflicting things about my loan. Initially my loan was said to be resolved within XXXX XXXX of the XX/XX/XXXX date. That has not happened my loan has not been addressed the errors have not been addressed and my loan continues to sit. Not counting my payments towards forgiveness. On XXXX the XXXX XXXX I again attempted to contact mohela waiting on the phone for a very long time. As a result I contacted the chat the chat feature and spoke to a representative who just gave me answers that were not specific to my case but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly asked to speak to a supervisor and then that representative relegated me to the XXXX number which I told her was over an hour 's wait. At this juncture I would like mohela to update my qualifying payments, to send my account to the department of a for review of forgiveness, and to do the due diligence of contacting my employer 's for certification. Mohela has not completed this task since XXXX of XXXX well beyond the XXXX business day marker they have agreed to reach. I would like to also ask why mohela submitted a PDF to my inbox account noting that I had XXXX payment and XXXX qualifying payments, and then changed this? Where did they get this information and why is there an error now on my account saying that I only have two qualifying payments.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW. 


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 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  Soft inquiries ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW. 

DELET ALL THE INQUIRES IN MY CREDIT REPORT 15 USC 1681b ( 2 ) 15 USC 1681 ( q ) 15 USC 1681 c -2
Product: Debt collection

ProCollect, Inc. has been trying to collect on a medical debt that I believed was paid by my employer XXXX in XXXX. I have never been contacted about this debt until late in XXXX by ProCollect. I have had continual communication issues ( they repeatedly call and harass me and have threatened legal action. There have been times I have tried to contact them just to negotiate a payment to get rid of them, they tell me they can not locate my file in their system and can not help me. I just received a letter in XXXX XXXX offering to settle the debt for half the amount ( {$320.00} ), so I made a payment online just to get rid of them, but that payment never went through, and when I called to verify the payment was made, all I received was voicemail. I received an email verification the payment was processed with no information other than the payment amount. Now I am worried I may be a victim of some fraudulent scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with XXXX. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.
Product: Student loan

XX/XX/ i have noticed fraud accounts and inquiries these fraud accounts must be removed from credit profile now! 

account name : DP OF EDUC ACCOUNT # : XXXX BALANCE : XXXX $ PAYMENT STATUS : CURRENT LAST PAYMENT DATE : XXXX LAST DATE ACTIVE : XXXX MONTHLY PAYMENT : XXXX $ THE ACCOUNT # IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history witH NAVY FCU 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 my 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 XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 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.

NAVY FCU 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: Credit card or prepaid card

Citi has been penalized for using a company called XXXX XXXX  but did not refund all customers such as myself, and continued to enroll my account 4 years after the settlement from the CFPB told them to stop. I finally realized they were charging me thousands in fees per year and found a way through much navigation to cancel. 

In requesting a refund for the thousands I paid over the years for a service I was unaware of Citi gave me two fraudulent phone numbers for other add on agencies and did not help me, instead referred me to the third part company, even though letters came from them. They used this predatory practice to take money from me and others via XXXX XXXX  and the Citi customer service will not help or answer questions, only will pass people to XXXX XXXX, a company the customer has no relationship with. There is no information given, no actual contact, and only contradiction messages and information given by both entities. 

All leg work may be done by the customer with no help. Further they stated I signed up for this service in XXXX when that is not the case. Even worse, is after the ruling in XXXX they continued to perpetuate this on myself, and other customers, taking me for thousands over that period in predatory fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I noticed a fraudulent account listed on my report - - XXXX. XXXX XXXX. I tried to dispute the account but there is no way to do it electronically and the phone number give to call Experian to dispute the fraudulent charge is to a prerecorded message with no option to dispute the fraudulent account nor speak to an agent. 

I requested the company reporting the fraudulent information produce competent evidence that prove the debt is mine and owe this debt. They have failed to respond in more then a reasonable time. 

This is not my first time experiencing this situation with Experain. I am the victim of identity thief. My information was compromised in both the Experain and XXXX data breaches. 

I have filed thief reports with the state police, state attorney generals office and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX app on XXXX XXXX, 2023 that a macys hard inquiry was pulled from my report. I did not XXXX for any Macys credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account XXXXXXXX XXXX XXXX ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from FIRST PROGRESS CARD with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and the FIRST PROGRESS CARD would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from FIRST PROGRESS CARD as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawful caused harm to my consumer report. This is a request for proof of delivery/receipt that FIRST PROGRESS CARD has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} STATE OF MI OFFICE CHI XXXX Balance : {$4900.00} XXXX XXXX Balance : {$1300.00} STATE OF MI OFFICE CHI XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} 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, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 alleged identity theft, not later than 4 business days after the date of receipt.