23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my account. I believe that their actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : JPMCB CARD Account Number : XXXX I have encountered the following issues with XXXX XXXX XXXX  and JPMCB : incorrect reporting, lack of verification of the debt. I have dispute this account with all 3 credit bureaus. XXXX has removed it for inaccuracies, but XXXX and XXXX refused to delete these account of my credit report and fail to send me the method of verifications that I have asked for. Please DELETE these account of my consumer report as they are hurting my credit rating. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX and JPMCB but have been unsuccessful in reaching a satisfactory resolution. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action. 

I request that the CFPB investigate my complaint against XXXX XXXX XXXX and JPMCB and take any necessary steps to ensure compliance with the FDCPA and FCRA. Additionally, I ask that you inform me of the outcome of your investigation and any actions taken as a result. 

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

Sincerely, XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX FXXXXL Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

I wanted my loan assessed for possible restitution for a Direct Parent Plus loan that was being managed by XXXX. When I went to assessed if there were any inappropriate loan practices, the loan was shortly transferred to Aiadvantage. Aiadvantage then begin to send me emails as to this transfer. When I went to log in to start my assessment as to the status of this loan, the site informed me that they are still working on transferring this loan. Then on XX/XX/22, I received some call wherein a message was left on my voicemail from a representative stating they were calling from Advantage. I checked the website to see why they were calling ( i.e., late payment, discussion of transfer ) yet the site continues to report they are still working on the transfer of this loan. I understand the cancellation of debt was related to private loans but that does not exempt XXXX from utilizing predatory practices for any borrower whose loan was being managed by XXXX. Before I could even inquire, the email correspondence started coming in by Aiadvantage. Therefore, I believe my loan should undergo a review for any predatory lending practices so I can either be forgiven of this loan due to such misconduct.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my report. In addition to disputing incorrect personal information listed on my credit report, I included a copy of my photo ID, social security card, and a recent bill with my current address to help Experian verify my identity and address. 
However, I received a response from Experian dated XX/XX/year>, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian, USPS-certified mail proof of delivery, along with Experians response as proof.
Product: Debt collection

I am writing to formally address And acknowledge that there is an outstanding balance on my behalf however, I would like to express my concern regarding this simultaneous collection efforts from both your company, and a third-party debt collection agency the fact that both entities are trying to collect the same that has credited confusion and undue stress. Additionally, I am concerned about the potential negative impact the situation may have on my credit report. I would like to request that this matter resolved promptly, and fairly toward any further adverse affect on my credit score due to them both reporting on my credit, impacting it negatively. I respectfully request that you review the situation and work together to clarify and rectify the matter. I would also appreciate if you could provide me with the necessary details regarding how this issue has been reported to the credit bureaus, and ensure that no further negative marks are made on my credit until this Situation is resolved. Thank you for your attention to this matter and look forward to your prompt response. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below : Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Experian Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Experian Creditor Name : XXXX XXXX, Date of inquiry : XXXX Experian Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/, Experian Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX  XXXX Experian Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX  Experian Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/, Experian Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX  XXXX Experian Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Experian Creditor Name : XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/, Experian Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX  Experian
Product: Credit reporting or other personal consumer reports

I'm really frustrated because my credit report has wrong info like my address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( XXXX, Experian, and XXXX ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, XXXX : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Student loan

I believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.
Product: Debt collection

The purpose of this communication is to assert my rights and request immediate action to rectify this situation. I recently discovered the existence of an account that has my personal information and financial details. After conducting a thorough investigation, I can confirm that I did not authorize or open this account. This fraudulent activity has greatly affected my financial standing and poses a significant threat to my personal security. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX -PLEASE DELETE!!! 
XXXX XXXXLEASE DELETE!!! 
I must stress the urgency of this matter and the need for an aggressive response to address this issue promptly. The fraudulent account in question is causing severe damage to my credit report and has the potential to harm my financial future if left unattended.
Product: Bank account or service

XXXX XXXX, XXXX Dear XXXX, I am writing in regards to my Personal Line of Credit, account number XXX-XXXXXX, and Joint Personal Checking account number XXXXXXXXXX. 

On XXXX XXXX, XXXX a recurring automatic payment was debited from my Joint Personal Checking account which was not being used for day-to-day transactions and thus had a low balance, causing it to overdraft {$300.00} from my Personal Line of Credit and charge a fee. Neither the joint account holder nor I authorized this charge and I therefore contested the automatic payment with the Wells Fargo Fraud department. 

Although I informed the bank that neither the joint account holder nor myself authorized the XXXX XXXX automatic payment or authorized future recurring payments, Wells Fargo permitted a second automatic payment to be debited from my Personal Checking account the following month. This again caused {$300.00} to overdraft from my Personal Line of Credit, and I was charged an additional fee in order for the payment to be funded from my Checking account. It was not until I asked Wells Fargo a second time to cancel the recurring payments indicating again that they were not authorized by the account holders, that Wells Fargo cancelled the future payments. 

Solely as a result of this activity and the fees, a negative balance accumulated in my checking account and inappropriate fees were added to my line of credit, which I have since paid off. After several months, this negative balance was reported to the credit bureaus. My attempts to dispute the activity with Wells Fargo, as well as all three major credit bureaus around XXXX XXXX were unsuccessful. 

I have spent dozens of hours on the phone with Wells Fargo Customer Service inquiring about the matter, yet Wells Fargo has been unable to verify how funds were allegedly authorized to be moved out of my account. To this day, Wells Fargo still can not verify how or by whom the recurring payments were authorized, or provide me with evidence of such. 

Wells Fargo Customer Service promised more than once to mail me documentation evidencing how and by whom the recurring automatic payments were authorized, as well as paper statements for my checking account since I closed it and can no longer access account activity online, yet I never received the requested items in the mail. 

To be clear, these transfers were never authorized and Wells Fargo had no right to attempt to pull payments from my inactive joint Checking Account. It would appear that Wells Fargo made these transfers with the sole purpose of generating fees in order to increase fee revenue and that Wells Fargo willfully ignored my repeated requests to cease these transfers. 

Since I have been unable to get resolution from Wells Fargo notwithstanding my numerous phone calls and inquiries I am filing a complaint. I would also like to dispute the XXXX counts of late payments in XXXX and XXXX XXXX against my Wells Fargo Line of Credit account that are unjustly negatively impacting my credit score. 

I look forward to your immediate response. 

Thank you.
Product: Credit reporting or other personal consumer reports

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. XXXX XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX XXXX XXXX Balanced {$32000.00} XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting it my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( 17 ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted Checkr Inc and let them know that not only was the criminal information reported not me, but it was adversely affecting me and it was over 10 ( in fact 20 ) years old. The response I received was that it was public record, which does not make sense, I have lived in Pennsylvania all of my life and even provided them with proof that I was in college at the time that the report states I was supposedly in jail, but they refuse to take it off the report they provided to XXXX and XXXX. Oddly enough they provided several other background checks for me, and that information does not appear on the other ones, in fact they have provided 6 background checks in total, and the inaccurate information only appears on the XXXX and XXXX checks. Their response to this is because they are Transportation Related background checks, which does not make sense either, as I worked for XXXX XXXX XXXX in XXXX, as a XXXX, and they did a background check, and this information was not on my background, as it does not belong to me, and when asked how they derived at this information, all I received was confusing verbiage. It should be removed for several reasons, all six background checks they ran on me were for transportation jobs, XXXX, XXXX, XXXX, XXXX, and XXXX ( there is another, but I can't remember at this time ) and that information only appears on XXXX and XXXX, so their excuse that it is more indepth because it is for driving does not make sense, this public record does not belong to me, I just want it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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 card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$130.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Similar to the previously filed complaint, BUT on a completely different topic... 

On TransUnion 's haphazard website, I repeatedly CAN NOT access the " Freeze '' options without some idiotic " technical '' or other, convenient error message. 

This has been an ONGOING issue for YEARS now, and I've HAD IT. 

TransUnion is the MOST IMPOSSIBLE of the XXXX bureaus when the matter involves online " self-service ''.
Product: Credit reporting

I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have already sent multiple letters to XXXX, Experian, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that XXXX, Experian, and XXXX have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.