23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As documented in the attached correspondence, I have spent a great deal of time and effort trying to correct a billing error with XXXX XXXX XXXX. 

When CMRE first contacted me about this alleged debt, I sent them a detailed message explaining why I contested that I owe XXXX XXXX XXXX any money, including proving CMRE with both the proper billing code that should have been used and the improper code used. CMRE completely ignored my letter, and continued to try to collect this debt. Not only did CMRE call me, but they sent me letters threatening to report this debt to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

Dear Sir or Madam, Common Wealth Financial Systems CFS has attempted to collect a false debt of {$1400.00} from XX/XX/2013, with no verification, and no proof or legal claim, or valid right to collect monies. It is my understanding that they falsify claims and prey upon elderly, ill and XXXX who have received services from medical institutions that have transitioned to new administrations. I would like to join in the class action lawsuit that is currently being filed against this fraudulent debt collection agency. The name/number I was given to contact is XXXX XXXX at XXXX XXXX XXXX ext. XXXX. 

Their listed information shows : CFSI Account # is XXXX, current creditor XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, Original Account XXXX. 

I have contacted the company with no response from them yet. 

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting, credit repair services, or other personal consumer reports

XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX  Experian Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom I t May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX    XXXX   XXXX  Cell Phone :  XXXX
Product: Bank account or service

The bank, Huntington Bank, had given me a wrong bank account number which caused my direct deposit to bounce back and my account to go into the negative. They charged me a total of {$280.00} on an overdraft of {$27.00} dollars that 's an almost 800 % interest rate. This is unfair half my check was gone and it was their fault to begin. 

I was given the run around for a week speaking to several customer service managers ; XXXX, XXXX and a Voicemail that was never answered by a XXXX at least that is what his out going message said his name was but when I called back he was non existent. 

This is unfair and predatory especially since it was their mistake
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid, I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous, continuously asking for the same stuff, just prolonging the review, and then denying for not receiving everything. I have not received a denial, but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him, the bills, the kids, working, and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following inaccurate information on my credit report : Account Name & Numbers : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act XXXX FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted promptly.

Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the importance of proper dispute handling. For instance, Equifax was fined {$15.00} XXXX for failing to adequately investigate consumer disputes, and the CFPB has sued Experian for allegedly conducting " sham investigations '' into consumer disputes, emphasizing the necessity for credit reporting agencies to adhere strictly to FCRA requirements.

If this is not removed, I will take this to legal damages because I have been charged larger interest rates, declined credit cards and a mortgage due to your negligence.

Please reinvestigate this matter and correct or delete the disputed information as required by the FCRA.

I request that you provide written confirmation of the actions taken to resolve this dispute. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX This was delivered to all 3 credit bureaus by certified mail
Product: Credit card or prepaid card

I have had a XXXX XXXX card for the last 10 years and have been impacted by the Comenity outage. For at least a month from end of XXXX until about XXXX beginning, I was unable to log in or view any of my account information. My card would also periodically decline for no reason at random during the 1st week of outage. This outage was handled absolutely terribly by Comenity and parent Bread Financial and literally no info was given about what happened or timetables. ( There still hasn't been any information provided by the companies other than failed planned maintenance ) They also proceeded to cut and paste insulting, non-informative, unhelpful, canned responses all over their social media outlets in an unethical manner to inquiries from customers. At this same time, they disabled the telephone customer service with no explanation, and it would just disconnect you when calling in for weeks. These responses were seemingly on top of not having proper upgrade release testing and disaster recovery plans in place to prevent or resolve the outage. 

Fast forward to current time in XXXX. The XXXX reward points program that Comenity normally sends daily to XXXX XXXX has been COMPLETELY NON-FUNCTIONAL for almost 3 months. I am owed XXXX points that are stuck in limbo somewhere over this nearly 3 month timespan since the outage. I have received no info about anything except 1 email probably a month or more ago saying " We're working it. '' Credit consumers are part of an industry where credit companies will take any and every reporting opportunity to put black marks on your credit history for paying late one time, closing an account, inquiring about a new account, coughing too loudly, etc... These same credit companies should not be allowed to say or do anything they want without care or worry, have multi month outages, and fail on their obligations to provide services you've entered into agreement with them to provide, with no penalties or explanations.
Product: Debt collection

The person said they are with American Express and said that I will need to pay my past due amount and that AMEX will sue me if I do not. He said he would help me pay the balance. He also said my CC number but was off by XXXX number which is scary in itself. 

I told him I would go online and pay it now at americanexpress.com. I think I threw him off by saying that ha. 

If I ever get a call or email about this I always go online to my current login or call customer service myself.
Product: Student loan

On  XXXX   XXXX  , 2017     XXXX   XXXX   (  phone number  XXXX   XXXX  and  XXXX  ) at  XXXX  called a family member at work regarding my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two agencies trying to collect on the same account. Ablty Recvry XX/XX/XXXX XXXX XXXX XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.
Product: Checking or savings account

On Friday, XXXX XXXX, 2023, at XXXX XXXX, I made a cash deposit of {$500.00} to a Wells Fargo checking account via ATM # XXXX ( XXXX XXXX XXXX, XXXX, TX ). The ATM malfunctioned. It started to continuously scan the deposit ; then it went out of service. I called XXXX ( XXXX ), while in the ATM lane and got passed around to many people ( regular bankers, everyday bankers, phone bankers, and escalation banker ). None of the WF personnel could help. They all read from a script : ( XXXX ) You have to wait, until they reconcile the ATM at the end of the day. ( XXXX ) It could take up to XXXX business days. ( XXXX ) You need to call back and ask for a provisional credit. ( XXXX ) You need to contact the claims department. ( XXXX ) You need to contact the ATM Operations Department. ( XXXX ) I'm transferring you to Escalation Banking. ( XXXX ) I can't help. You need to contact a different department. ( XXXX ) After XXXX hours, we can't help you. 

On Friday, I talked to XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. Finally, I got a {$.00} credit on my account, but no one could help locate my {$500.00} deposit. The claim number is XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It XXXX Concern, I am writing to file a complaint regarding errors on my credit reports with Experian, XXXX, and XXXX. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the XXXX XXXX XXXX, my information has been online and used numerous times. 

Specific Issues : XXXX. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : Source XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
XXXX. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
XXXX. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : Experian : Multiple inquiries from financial institutions like XXXX XXXX XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX 
XXXX : Unrecognized inquiries from institutions such as XXXX XXXX XXXX 
XXXX : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX 
XXXX. XXXX Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hi, In the past I had placed my student loans on forbearance where they accrued interest for a long time. I was struggling and could not afford to pay and contacted Nelnet multiple times about options. They told me my sole only option was forbearance and to accrue interest. When I called them to switch to an income driven plan recently, I asked why they hadnt told me about that before and they said by law they didnt have to tell us all of our options until recent years. Nelnet then told me I should only do forbearance as a last resort and that its my worst option. I told them they were the ones who on numerous occasions told me that was the only option I was allowed to do. The Nelnet representative confirmed from her notes that they did in fact only tell me I could do forbearance in the past. I requested they remove all the interest I accrued and apply the income driven plan retroactively since their lie/error caused me to accrue thousands in interest when I couldve done an income driven plan while unemployed and paid a lower rate instead of going on Forbearance. She said they can not do that and that my only option now is to file complaints. She acknowledged on the phone and apologized for Nelnet lying about my options and forcing me into Forbearance but said she can not do anything. 

This is my complaint and I would like for the accrued interest during the period I was wrongfully advised I only qualified for a forbearance plan to be reversed. I do not believe I should have to pay this interest as I was mislead and specifically asked multiple times if I could pay a lower rate while unemployed and then while struggling in XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX '' and " XXXX '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report on XX/XX/2020. I notice that both XXXX  & Equifax is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XX/XX/2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XX/XX/XXXXXXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.
Product: Credit card or prepaid card

Chase Bank USA has pulled my credit now XXXX TIMES in the last year. I have contacted them after each occurrence to notify them that I never applied for a card with them. Each time the assure me the inquiry would be removed and it would not happen again. I have now received another denial letter dated XXXX/XXXX/17 ( Reference number XXXX ). I filed a complain with CFPB and it was showing as a dispute with XXXX? ( complaint XXXX about XXXX, XXXX ) It was supposed to be a dispute and report of fraudulent activity against CHASE. They should be fined, made to remove these inquiries and figure out what is the problem on their end that allows this to keep occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter  to Capital one o n  XXXX   XXXX ,  XXXX  asking them to remove late payments that were showing up inconsistently on all  XXXX  of my credit bureau reports. All accounts had  XXXX  missed payments, each with different months ranging from  XXXX   XXXX   XXXX . I noted in my letter to  Capital One that I  only recalled being late once in  XXXX  of  XXXX  and requested that they updated my reports to show the one missed payment. Since then, I have received  XXXX  credit updates from   XXXX   and  XXXX  stating that I now hav e 4 mis sed payments on my reports from Ca pital one and not just the one  I recall in  XXXX  of  XXXX .
Product: Debt collection

PARRISH & LEBAR, LLP is a law firm acting in the capacity of a debt collector. This is a clear violation according to the FDCPA 15 USC1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Also from the FDCPA, 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They keep furnishing information stating that I am not the creditor. A Corporation can not create credit they only receive credit when they enter into a trust transaction They are also violating TRUST LAW because a US TRUST, according to 26 CFR 10671-5, is being administered in this frivolous court case and the TRUSTEES are not fulfilling their fiduciary duty 's to the beneficiary, XXXX XXXX XXXX- beneficiary , but not providing the correct documentation to show that there is anything lawfully owed on an alleged debt.