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

Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my XXXX credit report. Based on my investigation through the XXXX XXXX XXXX XXXX ( NMLS ), XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or unverifiable information, which obligates XXXX to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Alleged Owed : {$880.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California XXXX XXXX XXXXXXXX XXXX and Innovation that XXXX XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX XXXX account. 

Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX XXXX is not licensed to collect in California. 

XXXX must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX and Paypal and Synchrony Bank dba Paypal Credit offered me various zero-interest credit with a stated credit limit in the amount of {$3900.00}. They have refused to allow me to utilize the line of credit EVERY TIME, despite that the transactions were only for approximately half the total available credit. They avoid being contacted then only via " chat '' messages contained only on their server and point fingers at one another in a circular route. Finally, when confronted with the fact that both Synchrony Bank ( dba Paypal Credit ) and XXXX insist that Paypal is to blame and can fix it, does Paypal admit to blocking every transaction vaguely citing " security reasons '' which they refuse to identify and refusing to provide instructions on how to resolve the alleged " issue ( s ) ''. 
After each new denial of credit, I have contacted Paypal a number of times, each time being required to first contact one or both the other two partners then once pinned down, returning to the same spurious and unspecified " security issues '' I have used XXXX for decades, successfully selling XXXX and other laptop computers and other high-dollar items I no longer needed after buying the newest model as often as every six months without even a single complaint. Over the most recent two years I've made some sales -- again absent of complaints -- but also some purchases. 
The companies haven't notified me by email of ANY issue, security or other, nor have they instructed me as to how to cure the alleged but unnamed issue. 
The no-interest offers keep being made more appealing, from an initial 4-months to 6-months, to 12 months and now 24-months. 
Yet, though they specifically target me, stating my {$3900.00} avaiilable credit, each time I attempt to utilize the established, approved credit line, I am being unfairly denied credit in a set of circumstances where other similarly situtated persons are not being denied.
Product: Debt collection

After submitting a complaint with the CFPB about a debt that is on my credit report that does not belong to me. I was contacted by a XXXX XXXX at Thunderbird Collections and he was extremely rude and abusive. 

They claim that because a debt is owed by my spouse they can put it on my credit report which I have never signed anything with them or at the time of service and after requesting validation the only thing they send me is things in his name. 

I understand that Arizona is a joint property state, but if all of my debts were my spouses and vice versa then everything on both of our reports positive or negative would be on each others reports. The Fair Credit Reporting Act is federal and it states they must provide proof of from the furnished that this debt is mine and it is not.
Product: Money transfer, virtual currency, or money service

I transferred money from my bank account to Remitly. I got scammed and I wasn't aware of it at that time. I attempted to resolve the matter directly with Remitly but they were not cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CXXXX XXXX # XXXX ( XXXX XXXX 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: Student loan

I have been requesting an in-school deferment WAIVER from MOHELA since XX/XX/XXXX but they refuse to respond an apply the waiver or provide the necessary form. I started school XX/XX/XXXX. MOHELA placed my loans in XXXX  status for XX/XX/XXXX without authorization and for no legitimate reason as eligible in-school period didn't begin until XX/XX/XXXX. MOHELA refuses to remove the deferment/forbearance from XX/XX/XXXX or in-school deferment status as requested despite multiple emails and requests. They also refuse to provide the necessary form to request the WAIVER.
Product: Mortgage

We submitted an application with PENFED to refi under a VA Interest Rate Reduction Loan. The loan officer asked us our goal and we told him shorter term, and lower rate. Within a few days, he comes back and says please " great news your guys qualify for the lower rate of 2.75 but they wanted us to refi for a longer term. When I questioned the term, he put it on the VA and said they would not approve a shorter term if the refi resulted in a higher monthly PI. Therefore, I contacted the VA and was informed that was not the case. The VA loan specialist informed us that we could in fact lower our terms but lenders do not want too because they can not charge the veterans any fee 's. I went back several times and informed the lender but they kept pushing for a 30-year term, which would benefit them tremendously. Unscrupulous business practices like this should not be tolerated. They are trying to force veterans into longer terms, which lead to more money for the lender. Once I provided him with the VA circular, which governs how lenders handle VA IRRRLs he finally, fessed up to not being able to refi because they can not charge us some of the associated fee. Bad business practices and there is no telling how many veterans get taking advantage of. I am a XXXX veteran who served my country proudly for over 28 years.
Product: Debt collection

AARGON AGENCY INC for the amount of {$1100.00} that was occured through XXXX XXXX XXXX XXXXXXXX that was already paid in XXXX by heath insurance provider XXXX XXXX XXXX. I have tried to dispute matter through the credit bureau several times throughout XXXX and XXXX but they continue to tell me that the information matches and it is denied. I am not going to pay a debt I don't owe and was already paid I am not sure where error in their data payment system occured but they need to fixed and address this matter ASAP. But is unjustifiably unfair and It is ruining my good credit and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


XXXX, XXXX XXXX, Equifax I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX  XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX  XXXX XXXX Balance {$5500.00} XXXX XXXX Balance {$430.00} XXXXXXXX XXXX XXXX Balance {$250.00} XXXX Inquired on XX/XX/year> 2024
Product: Credit reporting

EXPERIAN RE : XXXX XXXX XXXX XXXX Dear EXPERIAN : The Department of Education no longer permits the use of social security numbers listed as account numbers on credit reports because of privacy concerns and other reasons to avoid confusion of what loan or loans are private or federal loans or those who have multiple student loans. XXXX and Experian continue to report loans on my credit file beginning with social security numbers, this causes confusion of which accounts are federal or private student loans, and also promote security and credit issues with approvals. Experian continous to report credit reporting inaccuracies and false account numbers on my credit file without authentication. I am concerned that XXXX and Experian are also not compliant with the Federal and State laws concerning verifications of accounts and current regulation that restricts the use of use of using social security numbers as account numbers on credit reports or other compliance and rules set forth by the Dept of Ed and the Office of Comptroller. I am asking the CFPB to investigate the use of social security number reporting as account numbers on credit files, because the federal government limits the use of social security numbers and has strict privacy laws e.g. ( privacy act 1974 ) It is not permissible to use social security numbers as account numbers on credit files because it can lead to potential misuse by creditors and banks to pool or commingle accounts, and data furnishers and credit reporting agencies are unaware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

I received confirmation from MOHELA dated XX/XX/2023 that my student loans had finally been forgiven. Despite this, MOHELA continued to report this account as open to all credit reporting agencies. I then disputed this information with the agencies and XXXX has come back stating that MOHELA has provided them with current documentation that the account is still open with a balance {$19000.00}. This information MOHELA has submitted to them is not accurate with respect to the status or amount.
Product: Debt collection

XXXX XXXX XXXX attempted to collect a debt of {$4700.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.
Product: Debt collection

I previously submitted complaint # XXXX about this same debt. Now Im being contacted by a new company stating that my account is subject to resumption of collection efforts. This debt is over 10 years old. How do I stop this harassment?
Product: Mortgage

my complain is with fay servicing XXXX they took over the loan from XXXX XXXX XXXX # XXXX now im in forecloure never got a notice in the mail, also we had XXXX  in XXXX i left the company know i needed help which the agreed to please help
Product: Student loan

Hello, On XXXX I submitted an application on Studentaid.gov for the SAVE repayment plan. Since that time, I've received 2 emails from Edfinancial : 1. ) On XXXX  showing my billing statement for XX/XX/XXXX is {$0.00}. 

XXXX. ) On XX/XX/XXXX ( today ) I received an email telling me to check new messages in my Edfinancial inbox. The message shows I was put in the Standard Repayament Plan and owe {$410.00} due in 5 days, on XX/XX/XXXX!! That is nearly 40 % of my monthly income. Stressful. 

When I logged into my Edfinancial inbox on XX/XX/XXXX, per their request, I also saw a message from XX/XX/XXXX requesting a 1040 tax document as documentation of income, in order to approve my SAVE application. I was never emailed or notified of this request. I sent this form to them immediately on XXXX  I also reapplied for SAVE on studentaid.gov
Product: Credit reporting or other personal consumer reports

The last phone conversation to discover was with an account manager on XXXX XXXX. I instructed her to remove the payment arrangements on file for XX/XX/year> and replace it with a check to cover the entire balance. The account manager fulfilled these requests, however, when I asked why Discover is reporting that the account is charged off when it was still active, she replied that she would have to transfer me to customer service and conveniently disconnected the call. Discover intentionally reported incorrect account status information knowing that it was not charged off. This is an egregious offense and violation of my rights as a consumer per 15 USC 1681 and/or the FCRA.
Product: Debt collection

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any combination in the file of a consumer 30 days after the debt of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information.

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above.

You are required to do what I am asking and block above reported to my consumer report WITHIN 4 DAYS from the date above.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes 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, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, Experian, XXXX, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXXXXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).

Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card

XX/XX/scrub>XX/XX/24 overpaid Citibank credit card {$10000.00} XX/XX/24 requested refund of overpayment and was told to process refund online which I did. No additional funds beyond overpayment were requested or processed XX/XX/24 Charged {$470.00} cash advance fee and Citibank customer service says to wait until statement is issued and the fee will be reversed XX/XX/24 Statement issued and Citibank Customer Service refuses to refund the fee XX/XX/24 Supervisor XXXX says she will refund the fee XX/XX/24 Fee remains on statement and Citibank refuses request to refund
Product: Vehicle loan or lease

Ford Motor Credit / Ford Motor Company misapplied payments, didn't correctly report to the credit bureaus ( which I'm having to correct their inaccuracies with the bureaus myself ) and failed to report that the vehicle in question was ( as agreed by all parties ) RETURNED with a XXXX balance due to their fraudulent and shady business practices as an effort to avoid being sued. 
Ford Motor Credit and XXXX XXXX XXXX XXXX ( Virginia ) are crooks and sell overpriced lemons after refusing to allow someone to purchase a vehicle ( IN CASH ) telling them that they only way they can get a car is to finance it through them. And then they throw in their " VIP '' package which is bs because in the end it doesn't save you money on anything.
Product: Credit reporting

My husband and I had a mortage on our house. We paid it off early and notes were always paid on time. Just recently I got a copy of my credit report and the mortgage was not on it. The bank was dissolved a few years ago. I contacted another bank that has taken over and many of the employees were with the original bank. They told me that it was not the policy of the original bank to turn in the credit to the credit agencies. ( What??!! ) They suggested that I get a Deed of Trust from the county office to send to the credit agency which I did. The credit agency said they do not accept anything from individuals, just institutions. On the deed of trust is the information that the maturity date of the final monthly installment was XX/XX/2023, so obviously we paid it off early. I want that to be on the credit report because it was the largest loan that we ever had. Can you help me?
Product: Consumer Loan

Hi. I took out a XXXX dollar loan with Big Picture Loan on XX/XX/2016. The bill was due on XX/XX/2016. for {$1300.00}. When I deposited my check, my bank put a hold on the money until XXXX XXXX. On XXXX XXXX, I went to pay the total loan off but did not have access to pay the amount online. I called the XXXX number and the first representative said they were going to charge me a {$350.00} nsf charge. I told her that the money was in the bank and I did not know they were going to place a hold. I told her that I wanted to pay the total balance on my account which was {$1000.00} for the loan, {$350.00} for the finance charge, and {$20.00} fee. which was a total of {$1300.00} She told me she needed to transfer me to the solutions agent in order to make that payment. When the solutions agent was on the phone he said the {$350.00} fee was not a nsf fee but a new finance charge for my next payment. IT was at this time that my payments were biweekly when they told me it would be a monthly charge. I did not know that they would charge me a XXXX charge every two weeks. I told the agent that if i am being charged biweekly the next payment is n't due until XXXX XXXX. I told him I wanted to pay the entire balance off, it was only 8 days late. He refused repeatedly to accept my card over the phone and stated that he would only accept a XXXX payment first for the finance charge and then the XXXX payment. I told him that I am not paying for a fee that is n't reflected on my account. I took a picture of it and it has a date and time stamp. He continued to refuse to accept my payment to pay off the loan. I then asked him for the address to send him the certified check. He said that I may incur more fees. I told him that I should not be responsible for any fees if you are refusing to accept payment in full over the phone.