23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, Transunion and XXXX. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to all 3 credit bureau. Which it has been more than 60 days and I have not been notified or updated on all the incorrect information that has been reported on my credit report. I will file for litigation if the information is not corrected or removed. This is a violation and should be removed immediately. It is now XX/XX/2021 and still no updates or notifies or corrections
Product: Debt collection

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

A CREDIT INQUIRY FOR XXXX XXXX XXXX WAS PLACED ON MY TRANSUNION REPORT ON XX/XX/2018. I IDID N'T AUTHORIZE THIS INQUIRY FOR A CAR. 

FRAUDULENT INQUIRY WAS MADE TO XXXX XXXX XXXX BY AUTO DEALER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my identity was stolen by a check that was mailed to a friend for a birthday present. They took the check which had my name and personal home address on it and attempted to withdraw money from my account. A few months later I was made aware by receiving a letter in the mail from DIGNIFI BANK that a loan was taken out in my name for {$5000.00} and that payments were not being made. I called numerous times to be juggled between people that seemed unaware on how to solve this problem. Already a victim this level of incompetence left me even more frustrated. They sent me paperwork to complete, which I returned immediately and more than 3 months later, I still haven't heard anything in resolution. I disputed with all XXXX credit bureaus and all them responded to my dispute saying that the loan was validated to me. How can that be since it wasn't me who did it. I have re-disputed again with all of the same information including the police report and the XXXX  report. 

I also received a letter from a company called XXXX stating there was a balance owed of {$480.00} for some window tinting the was done. This is also tied to this issue. I have been working with XXXX to remove this balance owed but no resolution to date.
Product: Credit reporting or other personal consumer reports

To my complete shock, I saw this morning that inaccurate accounts have somehow appeared on my credit report, and I have no idea how this happened. I checked my credit like I always do, but this time, discrepancies showed up without warning. I refreshed the page, thinking it might just be a glitch, but unfortunately, the wrong information didnt disappear. This is really unsettling, and Im asking for a detailed review of the documents I submitted so that I can move on from this nightmare.
Product: Debt collection

Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.
Product: Debt collection

Sent on XX/XX/year> Dear Equifax, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to XXXX, the open date for this account is XX/XX/year>. XXXX is showing an open date of XX/XX/year> and Equifax is showing an open date of XX/XX/year>. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on this platfor, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of ongoing identity theft. Credit cards and attempts at acquiring a mortgage were made. I have three police reports that I have submitted too many times to remember and I keep disputing the same issues from the same identity theft instances. I have been turned down left and right from getting housing and financing. XXXX, TransUnion, and XXXX have been lackluster. I have no student loan debt. However, it still shows on two, if not all the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX 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 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 ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID AN ACCOUNT ON XX/XX/2017 IN THE AMOUNT OF {$510.00} WITH XXXX XXXX XXXX THAT WAS LISTED ON MY CREDIT REPORT ALTHOUGH I NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX. I NOTICED THAT THE ORIGINAL CREDITOR IS NOT LISTED SO I HAVE BEEN DISPUTING THIS ACCOUNT MONTHLY TO HAVE THE ORIGINAL CREDITOR ADDED SO THAT THE ACCOUNT CAN REPORT CORRECTLY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. HOWEVER EQUIFAX ALWAYS REPORT BACK THAT THIS ACCOUNT HAS BEEN VERIFIED WHICH LETS ME KNOW THAT THIS ACCOUNT HAS NOT BEEN VERIFIED BECAUSE IF IT WAS, THE ORIGINAL CREDITOR WOULD BE LISTED. I DO NOT HAVE ANY SIGNED DOCUMENTS WITH XXXX XXXX XXXX AT ALL.
Product: Mortgage

My mortgage has been transferred to LoanCare LLC from XXXX after XXXX filed bankruptcy, effective XX/XX/XXXX. I can't access my mortgage on LoanCare LLC website, despite being told it would be available on XX/XX/XXXX. My school taxes haven't been paid, I can't see what my escrow account is and whether any payments have been made. I've been trying to call LoanCare LLC for several days, each day spending more than 1 hour on hold before I had to hang up. I haven't paid my XXXX mortgage because I don't know where to pay or have any account number. I have no assurance that this will not effect my credit score. It is unacceptable that there is no way to get in touch with a mortgage servicer!!
Product: Checking or savings account

I am having problems with the First Horizon Bank, who I have been a loyal customer for years, even after they have been bought out multiple times. 

I was not able to get into my account through XXXX because they changed how their login works, tying it to an old phone number to be able to login in that I no longer had access to. 

And was unable to check my balance and made me overdraft multiple times, with the the first being one of XXXX XXXX and then if spiraled to the total amount of XXXX XXXX 

I called them on XX/XX/XXXX to finally fix this problem and noticed how much they were charging me on overdraws. On XX/XX/XXXX they refused to refund/cancel the all of the fees. It feels like they are stealing money from me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian AGAIN for what I believe to be another clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. I initially brought this matter to Experian attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to REMOVE ALL these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about Experian 's compliance with federal regulations. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Experian adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. I have attached my initial dispute letter to Experian dated XX/XX/2023. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I reported XXXX XXXX XXXX for adding extra fees to my mortgage for the last few years, and they refused to send me a retro payment of extra fees that shouldn't be on my account. I have an escrow of {$1900.00}, that should be sent to me as an overage for this year. All of my taxes for the year are paid, and there should be a refund sent. XXXX XXXX has refused to change my account as open on my credit report, and refuses to report my on-time payments to the Credit Bureau XXXX Here is my last receipt of reporting them online : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov Phone : XXXX  XXXX XXXX  XXXX TTY : XXXX  We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center Please do not respond to this message. If you need to contact us, please use the information listed below.

Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.FederalReserveConsumerHelp.gov | Federal Reserve System
Product: Money transfer, virtual currency, or money service

well hello I would like to give you guys a thanks too for hearing my situation I've never asked for any type of help or known help and now that everything 's going it's going crazy and I'm not going to be doing no federal prison time I know how it is with that if you get loans or any kind of help you know I'm not signing nothing I haven't received nothing yes they're using my account because they're looking at my XXXX 's and that's how they're stealing right information so I would like to figure out how to stop all that now thank
Product: Debt collection

We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. 

Now, we have collection agency demanding payment for services/products that were not provided to us. 

We have asked this company to stop contacting us, yet they continue to do so. 

CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 CAPTIAL ONE accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility Capital One is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX XXXX XXXX  ... XXXX AUTHORIZED USER