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

Step XXXX : Send a Strong Dispute Letter to the Credit Bureaus Send this via certified mail with return receipt to force a response within 30 days. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX FL ] [ XXXX ] [ XXXX ] [ XXXX ] [ experian ] [ P.O XXXX XXXX, TX XXXX ] Subject : DEMAND FOR IMMEDIATE REMOVAL FRAUDULENT COLLECTION ACCOUNT To Whom It May Concern, I am formally disputing a fraudulent collection account that has been placed on my credit report without my consent. This account is in violation of federal consumer protection laws, and I demand its immediate removal.

Account Details : Collection Agency : Aargon Agency Inc. 
Amount : {$1200.00} Original Creditor : XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This debt is not mine, and under the Fair Credit Reporting Act ( FCRA ) 604, the furnisher must have permissible purpose to report any debt on my credit report. Since this debt is fraudulent and unauthorized, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809, I am requesting : 1. Full validation of the debt, including a signed contract proving I authorized this account.

2. Proof that XXXX XXXX XXXX has legal authority to collect this alleged debt. 
3. Immediate deletion of this entry if validation can not be provided.

I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this fraudulent account is not removed within 30 days, I will pursue legal action for : Willful violation of the FCRA and FDCPA Defamation of character through false credit reporting Emotional and financial damages Attached are the following supporting documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my identity A copy of my credit report with the fraudulent account highlighted I demand written confirmation that this fraudulent account has been deleted within 30 days. If not, I will take further action, including legal proceedings. 

This is my final notice before escalation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been trying to open an account with Wells Fargo but they won't let me. A fraudulent check was put into my account that I did not know anything about. I do not know who the person was. I was robbed in XX/XX/2015 and Wells Fargo put the blame on me, they have been saying I can not open another account for 7 years and some representatives told me I can't open another account ever again. I feel like that is highly unfair to me.
Product: Consumer Loan

I recently received a " Certificate of Savings '' from XXXX indicating an amount in red, bolded that they claimed to be " Your Monthly Savings. '' The amount represents the difference between my monthly payment and the quoted payment amount in the offer from XXXX. The majority of the " Monthly Savings '' amount is due to an extension of the term of the loan, and I believe is misleading as I attempt to compare my current payment to the one proposed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my XXXX credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX  My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my XXXX and Transunion credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXXXXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to address a concerning issue regarding my credit report and the potential violation of United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) related to billing inaccuracies. 

Upon recent examination of my credit report, I have identified numerous instances of billing inaccuracies as stipulated in 15 U.S. Code 1666 ( b ), specifically under points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

Point ( 5 ) : A computational or similar error of an accounting nature by the creditor on a statement.

A specific concern revolves around the absence of timely notification, at least 21 days ( approximately 3 weeks ) before the issuance of a statement. This oversight has led to unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that validates any claim of non-payment resulting in the reported late status, as I firmly believe this is a clear billing error. Additionally, in accordance with 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), a late payment qualifies as a transaction and experience, making it eligible for exclusion from the consumer report. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the payment status 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  In accordance with consumer protection laws, these accounts must be promptly updated to accurately reflect the " paid as agreed '' status. Failure to comply with this request will compel me to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Furthermore, I have already taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I anticipate your swift attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Product: Vehicle loan or lease

I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I was granted a mortgage modification by XXXX XXXX XX/XX/XXXXXXXX servicing of the mortgage was transferred to Community Loan Servicing XXXX This company did not follow mortgage modification and I was overcharged. In XX/XX/XXXX I contacted Community Loan Servicing and brought this matter to their attention. To date I have not received refund of my overpayment.
Product: Credit card

Chase bank keep getting hacked. In the last month of XXXX through XXXX I have had about XXXX phone calls with the fraud department and they have taken off the charges and fees given me about XXXX new replacement credit cards because the charges and fees keep coming back onto my account, so there is XXXX protection, I just called today as I saw from XXXX weeks of having a - {$40.00} balance that my balance now is over {$2000.00} and the same charges that I was disputing are now back on so then I go onto this XXXX  website that someone opened up in my name to only find out that the money chase took out did not go to that company, so where is my money? I asked Chase this question and their response to me was I am so sorry maam the department that you are trying to call is not there you have to call in in the morning and then I definitely asked the lady to please have someone else read the computer to see if theres anything that they can see as to why this keeps happening so then she puts me on hold she calls the fraud department then they tell her that my files and recovery department but they have no idea why. This makes sense to me because fraud is the steppingstone to recovery so who in fraud or what happened in fraud that caused recovery to then charge me again without consulting me and why am I not able to get these answers? Why is it OK for a company to take out money for something I did not purchase to only then out of nowhere put those purchases back on plus fees not to mention Im still dealing with this XXXX XXXX who saying that I have not paid these bills because again someone made up these accounts under my name, Social Security, whatever it was, and now my credit is getting crushed and I still can not get a complete answer. This is enough to make someone hospitalized due to the stress. It is causing, I take very great pride in my credit. Ive never had the situation happen in my XXXX years of life and Im not quite sure why its happening now. Ive never had this issue with any other bank besides Chase. 

There were also charges all over the place like XXXX ( which I do use but on another account, I company in XXXX and I was never there )
Product: Debt collection

i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold
Product: Money transfer, virtual currency, or money service

I was asked by the person to send money via XXXX to his landlord for the rent. He promised to return me money within 2 weeks. it happened on XX/XX/2022. As of now I did not get money back. this landlord refused to give me money back, his XXXX  account probably was blocked, the person who asked me also disappeared. his phone was disconnected. so, I was scammed. I requested my bank Chase investigate it, they opened the claim, but refused to send me money back. Please do an investigation. the person I sent money was XXXX XXXX, email XXXX. the person asked me is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with my FTC report on XXXX which base on USPS was received on XXXX at XXXX XXXX EST. when I spoke to a representative she stated it was uploaded on the XXXX of XXXX. I have received an email today XXXX to tell me that my investigation was completed when I looked at the report status updated as of XXXX. I have attached a copy of what was sent and a copy of my FTC report for my dispute. The account was not properly investigated because how can I send the FTC in XX/XX/XXXX but investigation is completed in XXXX or even XX/XX/XXXX that's because they did not investigate my case.I need them to take the FTC report in consideration and remove this off my report because it is not accurate. The report number is located at the top of the what was sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XX/XX/XXXXXXXX - This account is not accurate as I never authorized this account. 
XX/XX/XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Product: Credit reporting 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  ; Account number : XXXX, XXXX  XXXX ; Account number : XXXX, XXXX  XXXX ; Account number:XXXXXXXX XXXX ; Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Department of Education ; Account number : XXXX, Department of edXXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 conviction 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 card or prepaid card

On XX/XX/XXXX, I made a payment in the amount of $XXXX to Capital One towards my credit card balance.  The card rewards state that as long as your account is in good standings with the company, you are able to utilize the cash back feature towards the balance on your credit card (which my account is and I have paid more than the minimum balance each month).   My payment due on XX/XX/XXXX was $XXXX. I utilized my cash back credit of $XXXX in addition to a payment from my financial institution, which totals $XXXX. On XX/XX/XXXX, I reviewed my account information for the month and noticed a late fee charge of $XXXX which was debited to my account with Capital One.  The statement also showed that both the cash back used towards my statement in the amount of  $XXXX along with my $XXXX personal payment was received a nd utilized toward my balance on XX/XX/19.  On XX/XX/XXXX, I contacted customer service and spoke with XXXX, a customer service rep and then asked to speak with a manager to have the charge removed as my account has NEVER been late.Next, I spoke with XXXX who stated she is a senior account supervisor. I asked that the late fee be removed. She said that the system would not let her remove the fee.  I asked for an explanation and she wasnt able to provide one. I also asked her where I could review the information that states that the cash back could not be used towards my statement for the month. She stated it is shown on a box that is checked when I redeem the cash.  There is no way to view this information now.  I also looked on the company website under their FAQ segment and have a screen shot available showing that NOTHING online on their website states any disclusions about using cash back rewards towards the statement.  When asked who I could contact at Capital One regarding my credit card with them, she told me to go on their website to find the address.  Because I had just experienced a problem with the transparency of their “rules” for redemption of cash back on their website, I did not trust that the website would provide me with accurate or reliable information which is why I have contacted you.If needed, I can certainly supply all of the screen shots I have taken regarding this information to support my case.I would like the fee to be reversed, as well as help other customers of Capital One in the future.  There should be transparency and available information to the consumer regarding limitations on their cash back limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and should be removed Immediately of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : I have reached out several times regarding my current credit report & Navient account standing seeking assistance to no avail. Please be advised I am writing regarding my former XXXX now Navient student loans. When the time to pay on my loans initially began statements were being directed to an invalid mailing address and email address as learned when speaking with a customer service representative. During the dialogue it was recommended to move the loans to forbearance to clear up the matter & I believed the issue was rectified at that time by a customer service representative. 

Additionally, later on due to a separation from my spouse I was no longer able to make the needed payments each month. Although, I made efforts to maintain and stay current to my best abilities during that time period. For that reason, a couple of conversations were had with XXXX representative ( s ) and it was suggested to place loans in forbearance again. Also by taking this measure I was informed by the representative ( s ) all past negative information related to the student loans would be brought up to date and not negatively reported on my credit files. It was my understanding the updates in the system had been addressed at stated, which were not handled as such. After some time passed I learned when I attempted to apply for a home mortgage there were several delinquencies associated that has been negatively reported on my credit report from the 2013 calendar year. I am being severely penalized due to misinformation given by a customer service representative. I have tried to work with customer service countless times and each representative will provide different information, which has not made resolving my concerns any easier. 

I am requesting at this time to have the delinquent statuses removed from my credit records. Your cooperation would be greatly appreciated. 

Best Regard, XXXX XXXX XXXX