23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Wells Fargo ATTN : Wells Fargo Credit Dispute Department Fax XXXX To Whom it May Concern : Attached please find information regarding Wells Fargos errors, and failure to remove negative reporting information to all credit bureau reporting agencies. 
This has been an ongoing issue, and Wells Fargo agreed to rectify their errors in regards to my account Full names : XXXX XXXX XXXX XXXX XXXX XXXX Full account # XXXX ss # XXXX XXXX XXXX. - XXXX DOB XXXX XXXX XXXX - XX/XX/XXXX Mailing address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC. XXXX Phone # s XXXX XXXX XXXX - XXXX Respectfully, XXXX XXXX
Product: Mortgage

I have been working with Citibank on a commercial loan - cash out refinance on a 3-unit investment property in NJ. The property was purchased through a newly formed LLC,  owned 50 % /50 % by me and my partner, my brother. XXXX XXXX, the loan officer I was working with was well aware of the structure, as we provided to him all of the requested documents in early XX/XX/2019, inclusive of the title and other purchase support documents evidencing the purchase via our LLC. About a week prior to our anticipated closing in early XXXX, XXXX mentions for the first time that the title needs to be in our personal names and can't be in the name of our LLC, and he suggests we transfer the title. When we express that we clearly can't do that as the primary reason investors purchase property through an LLC is to mitigate personal liability, he unethically suggests something illegal -- " Off the record, and I shouldn't be telling you this, you can close with title in your personal names and then just transfer it back after the close ''. Obviously that is illegal and he is suggesting something that would breach our contract with Citibank. As a result, we were unable to close the loan since we wouldn't transfer the title, and were at an impasse due to information he wasn't forthright with. We lost fees already paid, months of our time locked into a good rate, and now we are in a position to have to begin all over with a new bank. In summary, he presumed we were not savvy investors and he withheld a piece of information that clearly would have stopped the transaction immediately, in hopes we would be none the wiser and just overlook it in an effort to close, but would obviously be putting ourselves at risk. Further, suggesting to a long-time client of Citibank 's, on behalf of the bank, to do something illegal is something that should make Citibank very uncomfortable and should put his license at risk. He was negligent and mismanaged this process, costing us time and money, aside from acting in an unethical manner.
Product: Debt collection

I'm XXXX XXXX military and one of my dependents was seen at XXXX XXXX XXXX on XX/XX/19. I never received a bill from XXXX XXXX XXXX. My wife has already tried resolving this issue through XXXX and XXXX XXXX XXXX. She was told through XXXX that the clinic was out of network and the coding was incorrect. The clinic tried changing the coding which XXXX wouldn't accept. I now of a debt collection notice from Frost-Arnett for the total of {$140.00}.
Product: Credit reporting or other personal consumer reports

The financial institution disclosed my nonpublic personal information to a nonaffiliated third party without providing me with the required disclosures regarding the sharing of my nonpublic personal information, which would have allowed me to exercise my right to opt out of the disclosure.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, XXXX, and Equifax for inaccurately reporting late payments on my credit report for the accounts listed as XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These reports are inaccurate and should be corrected, either by removing the late payments or updating the accounts as Paid as Agreed. 

Legal Basis : XXXX. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), the following unfair, unconscionable, or deceptive practices are prohibited : ( c ) Falsely representing that the consumer transaction involves consumer rights, remedies, or obligations. 

In this case, the credit reporting agencies are falsely representing my obligations by incorrectly reporting these late payments, damaging my credit history. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA establishes the legal framework for credit reporting accuracy and consumer rights regarding disputing inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumers file. I have disputed these inaccuracies with the credit reporting agencies, but they failed to correct the information.

15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, XXXX, and Equifax failed to do so by reporting inaccurate late payments. 

XXXX. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

The MCPA prohibits unfair and misleading collection activities, including making or threatening to make an inaccurate report to a credit bureau : MCL 339.915 ( e ) Prohibits making an inaccurate credit report on a consumers credit worthiness.

4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Although the FDCPA applies more directly to debt collectors, the credit reporting of false information can be considered an unfair collection practice under certain circumstances.
Product: Student loan

Good Morning, I am a borrower fro m Navient,   previously known as  XXXX   XXXX .   They are the worst.   I requested a loan 10 years ago, made payments over the years, and the loan has actually gone up! But that 's a different issue all together.   I requested a copy of my master promissory note to understand why the rate is rising rather than going down. At this rate, I will never pay of my student loan. I will continue to make {$45000.00} a year with {$14000.00} a year in student loan payments, ineligible for any assistance in anyway.   With the promissory note came t he Cover Letter  for the initial request for the promissory note. On the cover letter is my social security number and the social security number for another individual I DO NO know! At this point I can not trust them that my loan payments have even gone towards the loan itself! They could be sharing my social security number with other individuals like they did with me!   Ive asked for answer  from Navient w ithout any response.   My original loan amount was {$20000.00}, and the current balance is {$39000.00}. Ive paid over {$26000.00} into the loan and its still at {$39000.00}!!!   The loans interest rate was also not supposed to exceed 9 % and its been at 10.5 % for years.
Product: Student loan

ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Medical Collection Dispute File # XXXX dated XX/XX/XXXX Dear Sir/ Madam, I refer to TransUnion Credit Report File # XXXX dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, imitated a dispute due to a significant flight change covered under airlines schedule irregularities policy allowing for a full refund if time change of greater than 60 minutes, which flight qualified for. Travel agent ( merchant )  would not provide refund, so I imitated a charge back. 

On XX/XX/2019, I logged into my credit card account to see the disputed amount had been re-applied to my account. I attempted to obtain the merchant 's response but the file type was not a .pdf format so I was not able to see the reason why merchant claimed I did not qualify for refund. I made multiple attempts to obtain the document from my credit card company, but never received it within the 48 hour timeline that was said to be the time frame for receipt of same. 

Despite this, I provided multiple documents to credit card company on XX/XX/2019, sent via email to XXXX. I subsequently followed up on XX/XX/XXXX via chat to confirm receipt of these documents and chat agent confirmed they were received. 

On XX/XX/2019, I called to inquire on the status of the dispute and while the representative investigated, I was hung up on. 

On XX/XX/2019, I again called to inquire on status of the dispute, at which time, agent informed me that she could not see the documents I originally sent on XX/XX/2019, and asked me to re-send these, which I did to XXXX To date, I have not received any updates or notification on the status of my dispute, nor have I received the credit which is due to me based on the documents provided to credit card company.
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 XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of the security freeze on my credit report. I placed this freeze for security reasons, but I now require access to my credit file for upcoming financial transactions. Please lift the freeze as soon as possible so that lenders can review my credit history. I have provided the necessary identification documents to verify my identity and facilitate this request. If a temporary unfreeze is an option, I request that my report be accessible from [ start date ] to [ end date ]. Please confirm once the freeze has been lifted or notify me if additional information is required. Thank you for your prompt attention to this matter.
Product: Debt collection

My drivers license, social security card, and other personal documents were stolen from me in 2012. As a result, a fraudulent account was opened in my name and there is an attempt to collect on it from Syndicated Office Systems. I have contacted the collector and provided them with police documents and fraud affidavit. They referred me back to XXXX XXXX XXXX - the original creditor. After months of me contacting XXXX XXXX XXXX and receiving conflicting information that they can not provide me with any documentation as to the validity of this debt, I keep transferring my calls back to Syndicated Office Systems who apparently are reviewing this account, but they have been reviewing it now for about 2 months and have they had any documentation proving that this in fact is my account and not an account resulting from an identity fraud, they would have provided me with that documentation or at the minimum, they would have provided me with the progress of their investigation. Syndicated Office Systems and XXXX XXXX XXXX are violating my consumer right by reporting false and fraudulent information on me to credit reporting agencies.
Product: Credit card

XXXX XXXX has added herself to my Capitol One Credit card as an authorized user without my knowledge. She is using this card for her daily living expenses, vacation, and cash advance withdrawals. According to the transaction since XXXX XXXX, I have used this credit card by setting up automatic charge to pay for XXXX XXXX XXXX for the amount of $ XXXX monthly. This $ XXXX monthly has been moved to another credit card since the credit card overcharged. In addition, on XX/XX/XXXX and XX/XX/XXXX I charged the amount of {$1400.00} for XXXX for a total of {$4200.00}. However, I have paid it off a couple of days later. On XXXX XXXX, I received a credit adjustment of {$4200.00} due to the fraudulent act of the company. She has used all of this credited amount without my knowledge. XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, she confessed to me what she did and I paid a total {$10000.00} to try to get her out of trouble and she stated she will take care of the debt. However, she did not do what she promised that she will repay me and pay off the credit card debt. Therefore, she added herself as an authorized user, overcharged for her daily living and luxury vacation, cash advances, used my credited amount fraudulently. Capital One refused to take this as a fraud case. They claim that I am responsible for the debt that XXXX has charged. I have been calling Capital One since XX/XX/XXXX. However, the conversations with the representatives are different each time. There are different issues and suggestions stated by the representative. I was told that all I need is to have XXXX signed an admittance letter stating that did used my credit card without my knowledge and will take responsibility for this debt. XXXX stated that she did signed the admittance letter and sent to them. However, Capital One stated that they never suggest the admittance letter and never received it.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$260.00} from Creditor : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

There are a number of poor business practices involved in this complaint - On XX/XX/XXXX I was charged two fraudulent charges from a gas station in XXXX XXXX ( not my charges, haven't been to XXXX XXXX in many years )- I call and report the fraud in XXXX, they say they are working on it and issue a new card number - Month or so later I receive a later saying the issue was solved - The company then continues to send me letters displaying the balance with the fraudulent charges ( {$240.00} ) - In late XXXX I call and confirm that there should NOT be a balance and request to close the account. They again say there is no balance and they are closing the account. 

- In XXXX, I get another letter referencing the balance. I call to make sure account is closed and there should be no balance. They say no balance and takes a month or so for the account to " reflect as closed '' - XX/XX/XXXX, I get another letter referencing the balance. I call XX/XX/XXXX. I talk to a gentleman at first who keeps saying " Sir '' and pretends to not be able to hear anything, then I'm transferred to an " Account Mgr. '' who isn't much better. She eventually says, that there is a balance but it is not collecting interest and that the investigation/dispute of the fraud is ongoing and that investigations are resolved in 30 to 90 days ( it was been 5 months at this point well over the time period ). I they have no idea when the investigation will complete. There is no way for me to contact the fraud department. I hold on the phone for XXXX  mins for a manger who never comes on the phone. I just want nothing to do with company and to close this account and never hear from them again. I have never had a fraudulent charge from any other company and when I close other accounts, it is done and I don't have to worry about it anymore. I have no idea what this offshore company is doing with my information. It's bad enough I was a victim of fraud, but there completely incompetent resolution process makes me incredibly nervous.
Product: Bank account or service

XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the XXXX and FCRA. I will do whatever it takes to protect the rights afforded to me by thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. XXXX has been reporting invalid debt for over 4 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I told XXXX to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX  XXXX, Florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$7600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the accounts listed underXXXX XXXX XXXX XXXX - XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX ACCT # XXXX XXXX  # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  # XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I received a phone call today telling me a court case was being opened up on me to bring criminal charges against me. I called the number on the message and they informed me this was regarding a bank account that I closed with U.S Bank back in 2005. They stated U.S Bank is bringing charges for attempting to defraud a financial institution for overdraft fees left on the account. I never received any notices in the mail or phone calls stating I had a negative balance left on the account after I closed the account. The amount was never placed on my credit showing I owed this balance, and by my accounts I did not know I owed them anything until I received this phone call today. The amount that they 're saying was left on the account is {$760.00}, but the amount owed in the court document is {$2200.00}. I do not agree with this, I believe this may be potential fraud and I should not be held liable for something that I did not know was out there until 12 years later.