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

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX has caused undue harm to my financial reputation and stability. Despite my efforts to resolve this matter directly with TransUnion, XXXX and XXXX credit bureaus, the incorrect information remains on my credit report. Please review the enclosed documents and conduct an investigation into this matter.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
The late payments in question pertain to the following accounts : XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. 
I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy that is on my credit file, and Experian came back and said it was verified. I sent a follow up letter and it stated on the Experian website that they use XXXX to verify public records. I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE OCR and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Enclosed is a copy of the letter I sent to Experian, XXXX and a letter from bankruptcy court.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Mortgage

We have had a home equity loan with Chase Bank since XXXX. In order to get the loan, a walk through appraisal was done at the time and the value of the house was given at {$620000.00}. We have a first mortgage with another company and the total borrowed amount was under 80 % of value. All accounts were paid on time and the full amount of the home equity loan was used for projects in the home. During the housing downturn of XXXX, Chase notified us that because housing prices were down, their electronic valuation tools put the home value at just over {$400000.00} and they placed a lock on the home equity loan. We used all the funds and were paying on time, so we had no problem with it. In early XXXX, while purchasing a new car, we were told the lock on the loan was a red mark on our personal credit reports. Now that home prices have returned to their former value, we contacted Chase to remove the lock and asked them to use the same electronic valuation tool they used before to value the house. They refused to remove the lock or tell me what the value would have to be. They insisted I had to pay for a full walk-through appraisal in order to remove the lock. So I paid an appraisal company to do a full appraisal - almost XXXX pages, with photos and XXXX local comps to justify the value of the house - now at {$530000.00}. The XXXX mortgages would still be under the 80 % of value required. It took three weeks and multiple visits to a local branch, faxing, emailing and communication before they finally got acknowledged receiving the appraisal copy. After a few more weeks and phone calls, they rejected the new value and refused to remove the lock because they did not order the appraisal - after telling me I had to do it myself. Again, we were not looking for more money, all I wanted was the red mark removed from our credit reports. We were told we can re-apply for the home equity loan using their appraiser. I was never told the value they were looking for to remove the lock.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed with the following details : XXXX XXXX XXXX BALANCED {$3200.00} I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. 
Additionally, I have noticed several other inquiries listed on my credit report that I do not recognize, including : XXXX XX/XX/year>
Product: Checking or savings account

I have transferred an amount of {$3000.00} to a phone number which is my friend 's phone number and he is no longer using it. It is his old phone number and in error funds were transferred to an older phone number. This transaction is done using XXXX XXXX Bank Of America app. I immediately reported the issue to the bank. But the phone number is already taken by some other person and that person is also using XXXX. So the funds were immediately transferred. I have filed a claim with the bank but they have not done anything. They wanted me to settle this outside the bank. I have spoken to the other party to whom I have transferred funds as I have the phone number and they are willing to transfer the funds to the bank and not to me as they are seeing many frauds happening these days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an Authorized User account ( non-owner of debt ) Debt totaling {$500.00} was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal of derogatory account from credit report in XX/XX/2022. Account is still being reported by Equifax as a Derogatory charge off. Agreement with creditor to remove account upon payment in full has not been met. The account needs to be removed from my Equifax credit report immediately, as originally agreed upon by creditor. This is a false derogatory account and is being falsely reported by Equifax as derogatory.
Product: Credit card or prepaid card

On Saturday, XXXX XXXX, I was looking at my credit reports obtained by me from using XXXX and I see a Discover Credit Card that was established without my knowledge nor my consent. I havent applied for this account, and I am a victim of identity theft. I have contacted the company to dispute the account, I was told that they would transfer me over to the Discover Investigations dept. That department strictly handles fraudulent applications/accounts. I have not had any luck in reaching them and I need to get a hold of someone because I have never opened this account and I need them to close this account down and deem it as fraud/identity theft. I see the fraudulent account was opened XX/XX/2019 and that fraudulent account has been charged off with a balance of {$3400.00}. Can someone please look into this matter and let me know of the outcome?
Product: Checking or savings account

On XXXX, I was alerted to by a colleague of a sign up offer for UMB Bank. I proceeded to sign up for an account and was instantly approved. I initiated a transfer of {$100.00}, which was debited from my other checking account. Not long after that, and without any notification, my account was locked. Attempts to call were met with an hour long wait time. 

I received an email on XXXX asking for additional verification and I promptly uploaded the requested documents that I could provide. I called on XXXX after hearing no response at all and was told my documents weren't sufficient and the deadline had passed. I inquired about the {$100.00} transfer and was told it would return in 7-10 business days. 

We are now at business day 10 and there is no sign of my funds. To boot, {$3.00} was debited for having mailed statements, which I couldn't even opt out of because I was locked out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a text in my phone that I subscribe to Advance America XXXX Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I noticed a deposit in my bank account for XXXX dollars but i did not apply for any loan.
Product: Credit reporting or other personal consumer reports

Mohela reported all 8 of my student loans twice so now it looks like I owe double the amount bringing my credit scores down.
Product: Credit reporting or other personal consumer reports

Toyota Motor Credit reported late payments on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. In the amount of {$1000.00}.
Product: Debt collection

Rent Recovery Solutions have submitted {$2500.00} on my credit report, I left this apartment in good standings owing nothing, infact was expecting a refund. talked to manager before leaving and she even stated i could keep the mailbox key until i had address changed over. The apartment was cleaner then when i moved in. The reason i moved out was roaches and bugs, was never painted i had to do all of that. manager would say it will be done but never was. This was 2015 i think. also when i took the key back a few days later someone had already moved in. my lease was up ... .I have tried calling to no avail.
Product: Debt collection

I am writing to file a formal complaint against United Collection Bureau regarding their debt collection practices, which I believe to be in violation of Section 807 of the Fair Debt Collection Practices Act ( FDCPA ). United Collection Bureau has engaged in deceptive practices by attempting to collect three separate amounts on XX/XX/2023, in the amount of {$1300.00}, XX/XX/2023, in the amount of {$1400.00}, and XX/XX/2023, in the amount of {$1500.00}. These actions are clear violations of 15 USC 1692e of the FDCPA.

I would like to bring the following violations to your attention : False and Misleading Representations : United Collection Bureau has falsely claimed that I owe three separate amounts on different dates, each with a different figure. This inconsistency in the alleged debts raises serious concerns about the accuracy and validity of their claims. These misrepresentations are intended to confuse and mislead consumers, violating the provisions set forth in 15 USC 1692e of the FDCPA.

Unsubstantiated Claims : Despite my requests for verification of the debts, United Collection Bureau has failed to provide any supporting documentation or evidence to substantiate the legitimacy of these alleged debts. This failure to provide adequate validation further compounds the deceptive nature of their actions.

These deceptive practices have caused me significant distress and uncertainty. As a consumer, I believe I have the right to be treated fairly, truthfully, and without misleading representations during the debt collection process, as guaranteed by the FDCPA.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action against United Collection Bureau for their violations.
Product: Credit card or prepaid card

I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period. 
On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21. 
I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account. 
As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement? 
I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.
Product: Credit reporting or other personal consumer reports

I know that FCRA 605B requires us to remove any inaccurate accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has incorrect information and is being used without my consent.
Product: Student loan

My daughter applied for XXXX student loans from the Wells Fargo Student Loan Division to finish her XXXX XXXX at the University XXXX Kentucky. She graduated in XXXX 2016 and took a $ XXXX/hour apprenticeship position with a local Veterinarian while she applied for and awaited acceptance at accredited schools where she could complete a XXXX program and become a Veterinarian herself. Before her first payment towards the XXXX Wells Fargo XXXX loans came due, she applied for continued deferral and was denied. She appealed and was again denied deferral, and was told that she had to make the total {$390.00} monthly payments beginning XXXX XXXX, 2016. She only makes approximately $ XXXX/month so Wells Fargo is asking her to pay 40 % of her income towards her private student loans each month, which obviously does not leave enough left over for her to live on, so she would end up going into default on her loans in order to be able to pay rent and buy gas to go to work, etc. but Wells Fargo did n't care. Wells Fargo knew that the co-signer ( me ) would have to step in and make the payments on behalf of my daughter so that she would not go into default on the loans. In essence, by denying her deferral, they were side-stepping the borrower and going straight at the co-signer. I feel this, at a minimum is unethical, and hope that it is also illegal banking practices, similar to Wells Fargo 's other illegal banking practices that have been in the news lately, and would appreciate the Consumer Financial Protection Bureau 's assistance with this matter, and hopefully force Wells Fargo to reconsider and allow my daughter deferral while she awaits acceptance into a XXXX program.
Product: Checking or savings account

Attempting to allow XXXX to verify my account and they receive a response that says that Capital One is blocking you from enabling external applications.
Product: Payday loan, title loan, personal loan, or advance loan

Im a victim of identity theft an I did not do this loan
Product: Mortgage

XX/XX/2023 Email & US Certified Mail From : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Email : XXXX Tel : XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX, PA XXXX, To Whom It May Concern, LOAN NUMBER XXXX I am writing to express my profound disappointment and concern regarding the handling of my loan modification application, which has been pending for over six months. Today, after waiting an extensive period, I was informed that my application was not eligible based on the income-to-debt ratio. The lack of transparency, communication during the underwriting process ( there were zero communication ) and detailed explanation from your representative left me in a state of confusion and distress. 
It is imperative for customers like myself to have clarity and a comprehensive understanding of any decisions made concerning our financial standings, especially when we entrust institutions like Selene Finance with such crucial matters. The absence of detailed feedback makes it challenging for me to identify areas of improvement or to even rectify the situation. 
Therefore, I hereby submit my formal request to appeal the decision on my loan modification application. I urge Selene Finance to review my application comprehensively, and I am willing to provide any further information or documentation that may be required to support my appeal. 
In the spirit of fairness and transparency, I anticipate that Selene Finance will undertake a thorough review of my appeal and provide a detailed rationale for any decision made. Efficient communication and customer-centricity are vital attributes for financial institutions, and I hope my concerns are addressed promptly. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out to highlight the erroneous personal information linked to my identity. Several accounts and transactions, which I neither initiated nor authorized, have been incorrectly associated with me, leading to considerable distress. I've fallen prey to identity theft and have promptly reported this incident. This situation has adversely affected my financial health and personal reputation. I urge your immediate assistance in removing all incorrect entries from my credit report and launching a comprehensive investigation. I stand ready to furnish any required proof and, if necessary, pursue legal avenues to defend my rights and obtain due compensation. I truly appreciate your swift attention to this pressing issue.