23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit report dated XX/XX/XXXX in which it shows the XXXX XXXX XXXX account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the XXXX XXXX XXXX account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account XXXX XXXX XXXX is listed with Transunion with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with XXXX XXXX XXXX and Transunion but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last XXXX of social : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the inaccurate reporting of the collection account, originally held by XXXX XXXX XXXX and now managed by your agency, on my credit reports. The reporting inaccuracies are a clear violation of consumer protection laws, and I demand the immediate removal of the account from all credit reporting agencies.

Details of the account are as follows : Account Holder : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Status : Open [ This is the reporting error ] Reporting Error and Violation : Open Status Inconsistency : The account is incorrectly reported as " Open. '' This is a serious reporting error as the account is currently in collection status and should not be listed aXXXX XXXX XXXX XXXX Consumer Protection Laws Violated : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : The FCRA mandates accurate and fair reporting of consumer credit information. Reporting an account with a status of " Open '' when it is in collections violates the accuracy requirement.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : Misrepresenting the status of a debt is a violation of the FDCPA. Reporting an account as " Open '' misleads consumers and misrepresents the actual status of the debt.

Immediate Action Requested : I am formally demanding the immediate removal of this inaccurate collection account from all credit reporting agencies. Failure to comply with this demand within the statutory XXXXy period will compel me to take further legal action to protect my rights under the aforementioned consumer protection laws.

Thank you for your immediate attention to this matter.
Product: Student loan

The student loan was made XX/XX/XXXX for {$45000.00}. I've been paying the loan as scheduled for 10 years. On XX/XX/XXXX I received a statement confirming I paid {$24000.00} and principal satisfied {$11000.00}. but the current balance was {$43000.00}. I call AES for an explanation and was told all the interest was compounded and applied on XX/XX/XXXX. Under this scenario its impossible to repay the loan. I feel the lender, AES, has not applied the interest properly and has misrepresented repayment of the loan. I'm on a 60 day deferment program and would appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX, I received an email from Equifax stating that there was a change to one of my existing positive credit accounts. When I logged into the econsumer Equifax website there was an alert that stated that I initiated a dispute on my XXXX XXXX account, which is ABSOLUTELY false. XXXX XXXX just reported my closing balance of {$0.00} on XX/XX/XXXX because I pay off that account every month. This is not the first time that Equifax has initiated a false alarm dispute and removed a positive credit account from profile. They did this with my XXXX XXXX account in May as well, which is another account I pay off monthly. In that situation, XXXX XXXX informed me that after they reported my {$0.00} balance they received some type of internal dispute from Equifax and if my account was removed it was the credit bureau 's decision, because they did not request my account to be deleted. At that time Equifax simply mirrored XXXX in deleting my XXXX XXXX account for a false alarm internal dispute. I have the chronological reports showing from when XXXX deleted XXXX XXXX, followed months later by Equifax. The reports also show that it was approximately 5 months later before XXXX added my XXXX XXXX back to my credit profile, again followed by Equifax. I have seen no increase in any of my credit scores in approximately XXXX days, even with having collection accounts removed, inquiries removed, and still keeping my credit card utilization between XXXX % monthly. All my credit card accounts have reported a {$0.00} balance for the month of XXXX, the last being XX/XX/XXXX from XXXX XXXX. I have no dispute case number or anything, because I never initiated XXXX. This is merely another attempt at the credit bureaus throttling my credit score, again.
Product: Mortgage

My home insurance by agreement in my filed mortgage is to be held in escrow. Prior to leaving in XX/XX/XXXX for vacation, I sent my invoice from my insurance company to Chase. This clearly stated the payee as being XXXX XXXX XXXX XXXX XXXX. When I returned, I followed up and after being on the phone for about 20+/- minutes, I was asked to stay on the phone to help solve the problem with the insurance company and I told them that they could call me back when they had them on the phone. I had an appointment. No call back. After my appointment started the process over. The representative was rude and just wanted to not say they were wrong. 30 + minutes on the phone they sent the check to the wrong company.. my fault was the implication. They could n't find time to put a next day mailing to solve the problem. I drove to the insurance company and made the payment. Long story short, they had no compassion with a customer and this representative actually started speaking loudly over my questions keeping me from getting answers that I needed. They had the wrong company and paid to the wrong company and as much as said I was the one who made the mistake. The only insurance company I have had in the 13 month ownership of this property.. so upsetting.
Product: Checking or savings account

One of my employees stole {$18000.00} from my credit card terminal in unmatched refunds in the pst 6 months. 
PNC merchant services are not helping me resolve this issue. Stating that i need to re-coup my money from the employee and that this is not their problem. I don't know how this was not red flagged in my account for the fact i do not do any refunds in my business as credit card refunds-only by checks. 
The employee is now on the run and can not be located. 
I am being ignored and dismissed by the bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

I am formally requesting the elimination of the inaccurate accounts from my credit report. I did not provide consent for their creation or usage. Enclosed are the requisite documents to substantiate my assertion and support of my claim of identity theft. PLEASE BLOCK AND REMOVE these accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

I've written to various companies regarding their income reporting in my Credit Report. The IRS Publication 166. states ' The IRS views Charge-offs or canceled debt as income, necessitating its inclusion on tax returns, similar to job or business income. Under 15 U.S. Code 1681, which emphasizes the accuracy and fairness of credit reporting, income should not appear on my Credit Report. Therefore, these charge-offs are required by law to be promptly removed. Thank You XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! 

Please help me get these off my credit report. 

Someone said that if they don't have the fake loan paperwork then it has to come off my credit? 

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX  XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. 

What should I do to get this resolved? 

Thank you so much, XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. These companies have violated my rights as a consumer No privity of contract exists only between the parties ; no third party can obtain rights continued within a contract or the buyer-seller of a contract without the express written permission of the original parties. XXXX XXXX XXXX account number : XXXX, Portfolio Recovery Associate account # XXXX XXXX XXXX. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. These companies and the sellers have violated my rights as a consumer!
Product: Debt collection

I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.
Product: Debt collection

{$1200.00} or XXXX which one is it? 

Going in updating wrong payment amount.. I have screen shoot and photo evidence of them through the months Ive called to settle/ pay in full they company did not want to accept payment Threatening to Leave on consumers report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in searching for credit score for refinacing I was decieved into signing for credit montering that I did not want and thus have been billed {$26.00} a month since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Equifax. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit card

I booked a reservation thru paypal. I cancelled the reservation and asked for a refund. The refund amount is {$240.00}. They will not issue me a refund even though I cancelled the transaction with notice. they agreed to the cancelation.
Product: Debt collection

After several intimidating calls from D & A Services to collect a debt for XXXX XXXX XXXX, I made a payment in ignorance to them on XX/XX/XXXX in the amount of {$100.00}. After I called XXXX XXXX XXXX to inquire about the account, I was told it was discharged and closed. Therefore D & A Services falsely impersonate themselves to collect this debt for XXXX XXXX XXXXXXXX. I requested D & A Services to provide me a legal binding signed  agreement between them and XXXX XXXX XXXX to collect this debt for them. They sent me copies of old statements. I sent a certified letter on XX/XX/XXXX asking them not to withdraw from my bank account until they are able to verify their legal binding to collect the said debt. They were not able to provide me with this information. On XX/XX/XXXX they withdrew the amount of {$270.00} from my bank account without my consent and still have not furnished the information requested. I called and requested a refund of ever dime they ever took from my bank account.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX can you please reinvestigate these accounts for accuracy and provide the source to verify them I am trying to make some major purchases and I need accurate information on my credit report
Product: Checking or savings account

On XX/XX/year> there was multiple charges that we're unauthorized by me ( account holder ). There was an unauthorized purchase of {$520.00}, {$1000.00}, {$400.00}, and {$500.00}. I filed a fraud claim with my bank wells fargo. When I received my claim status I requested information about the closed fraud claim it was denied. The outcome of the claim stated that I had the card in my possession when the fraudulent charges were made. On the original recorded line, when making the original fraud claim, I stated that the card was not in my possession but to wells fargo suggested that it was. I then requested The company review previous phone call, they then stated that the card was not in my possession when the chargers were made. They also provided information that I will not receive reimbursement of the stolen funds out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB REpresentative, I am writing to express my frustration with the recent calls I have received from your representatives regarding my mortgage payment. As a self-employed individual, I notified your company three years ago to stop calling me if my payment is not posted by the XXXX of the month. I have been able to consistently make my payments on time and have not had any issues until this month. 

Despite my previous request, I received three calls back-to-back, with the first representative not understanding that my payment is scheduled to be made at the end of the month. I explained that this has been my payment schedule for the past three and a half years and that my account has not been late. I also asked the representative to stop calling me.

In the past, I have received a late notice for the following month with the current month included as a way of reminding me. Additionally, I received an email with the same information. Just three weeks ago, I called your servicing department to ask a question about my billing, and the representative and I spoke about my payment schedule. She confirmed that my payment history reflects an end-of-month payment, not 30 days late. 

Despite my repeated requests for your representatives to stop calling me, they have continued to do so, even though my payment was scheduled to be made today. The latest call I received was from a representative with a western accent who seemed to find humor in my request not to be called. I felt belittled when she asked if I did not want you to call me, and I had to repeat myself, saying, " Do not call me. '' I ask that Select Portfolio respect my previous request to stop calling me if my payment is not posted by the XXXX of the month. I hope this complaint will bring about the necessary changes to ensure that I do not receive any more unwarranted calls from your representatives. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX, XXXX [ XXXX ]
Product: Vehicle loan or lease

I leased a vehicle through Ally bank. At the end of the lease the vehicle was returned to a dealer per instructions from Ally. However there was no option to pre-inspect the vehicle to assess if any excessive wear and tear that will cost extra, and Ally does not actually tell you if you owe anything for excess wear and tear until the vehicle is sold at auction (! ) which could be weeks ( or even months? ) after the vehicle is returned. 
This seems to me to be unfair and unreasonable practice. 
As a buyer I should be entitled to a per-return check of the vehicle ( so that I can decide whether to fix any issues myself ) and a speedy ( on the spot during return or within a few days ) assessment regarding payments for excessive wear and tear, as well as a process to contest any alleged issues.
Product: Checking or savings account

In XX/XX/2022 my wallet was stolen with all of my personal information including navy federal debit card. My card was used to purchase over XXXX dollars. I filed a claim with navy federal and was given a provisional credit. On XX/XX/2022 I was told the investigation was complete and was liable. I asked for the information that was used to determine this they never responded or sent anything. They went in savings and took the money back. I didnt make this purchase and need my money back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).