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

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with Credit Acceptance Corporation Account Number : XXXX Dear, experian I am writing to formally dispute inaccuracies in the credit report you have on file for me. After reviewing my report, I have found incorrect information regarding the above-referenced account. Below are the specific inaccuracies and supporting details : 1. Payment History Reporting : Your report shows 180 days late in XX/XX/XXXX. However, the account was closed and paid in settlement in XX/XX/XXXX, as reflected under the Status section. Reporting delinquency after the account was settled is factually incorrect. 
Additionally, the report reflects ongoing delinquencies for several months in XXXX ( e.g., 180 days late for XXXX, XXXX, and XXXX ), but the account was not active during this period, based on the settlement agreement. 
XXXX. Account XXXX : The account status is listed as Paid in settlement, but the reporting of delinquencies in XX/XX/XXXX conflicts with this status. Once an account is settled, no further late payments should be reported. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX : When disputed, inaccurate or unverifiable information must be corrected or deleted promptly. 

I kindly request that you investigate this matter, verify the information with XXXX XXXX XXXX, and update or remove the inaccurate entries. Please provide me with the results of your investigation and an updated copy of my credit report. 

Thank you for addressing this matter promptly. I expect a response within the timeframes outlined by the FCRA. If you need additional information, please contact me at ( XXXX ) XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''Experian and XXXX are consumer reporting agencies, and I am the Consumer. 
15 U.S. Code 1681e states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian and XXXX are not maintaining reasonable procedures as my report is not consistent across the reporting agencies. If XXXX and XXXX could not verify that it was lawfully added to my report my question is how Experian could. This account is not reporting on XXXX or XXXX and was deleted by these XXXX consumer reporting agencies. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states ''Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
This account must be deleted/removed immediately.
Product: Payday loan, title loan, or personal loan

Paypal opened a line of credit in my name without my knowledge, and without a proper credit application. I do recall completing a request for a new line of credit, and I only found out after receiving notification via my credit report alert that a new line was opened in my name.
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



Capital One Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Product: Mortgage

Hello I wanted to report a federal violation regarding PHH Mortgage services /XXXX. PHH has stolen {$23000.00} from XXXX XXXX XXXX XXXX  claiming they never received it. They also incurred charges onto the account illegally after the homeowners passing, not knowing the son lived ( s ) in the home. In XX/XX/XXXX, XXXX illegally charged account # XXXX a {$10000.00} fee and numerous hefty charges every month thereafter. XX/XX/XXXX, XXXX started double billing the account, when learned of the sons deed of transfer on the house. The account was not even negative in XX/XX/XXXX, and they have illegally sent the account into foreclosure proceedings against numerous federal statutes and violations. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/2017 a debt for medical services I did not get or owe, because I am a retired XXXX XXXX veteran with full medical benefits. And only go to the VA hospital. I got a collection notice by my credit agency after being turned down for a credit card application. I did not know a collections agency can State they are entitled to collect a debt on.behalf of the federal govt. Withhout Verfication of one 's financial.status. Currently I had and do have a fraud alert on my credit and this information still got through. They.wanted me to pay the debt off from the collection agency first before they could remove any negative items. I refuse to pay anything because I do n't any ' medical bills period.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX Credit Reporting agencies. XXXX replied with the attached letter dated XXXX XXXX XXXX, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. Please review the attached documentation and investigate.
Product: Debt collection

This letter serves as a formal demand that 1st AccessXXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all contact with me regarding this matter. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, damaging my creditworthiness. This is a willful violation of federal law, and I intend to take legal action. 

Intent to Sue If 1st Access/XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will have no choice but to proceed with a lawsuit against you for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney Generals Office. Additionally, I will pursue legal action in small claims court or federal court for statutory damages, attorney fees, and punitive damages for your violations. 

Please provide written confirmation that you have received this request and that you will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you choose not to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit card

Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.
Product: Prepaid card

We purchased multiple {$500.00} XXXX XXXX cards on XX/XX/XXXX. The information for one of them was stolen, and the funds taken. It appears that somehow, someone got the card number, called the company and had a new card send to their address. The company has confirmed that they can see the name and address of the person who requested the replacement card and it is not us. We contacted the customer service line to file a dispute for the first time on XX/XX/XXXX. We were given an email address to send a photo of the compromised card, the card we used to purchase it, a copy of the receipt, and my drivers license. Since then, I have contacted the company on three other occasions. Each time, I've been told an email was sent to me ( it never was - I have checked all email inboxes, to include spam ). I have been asked to send the same information to three different email addresses. I have also requested that they resend the dispute form via email and never receive it, even after verifying my information with them. At this point, I believe I have been scammed by this company. I am extremely concerned that not only have I given them photos of personal information, but also that I won't be refunded the {$500.00}. I am happy to send the individual email addresses I have been asked to send my information to. The dates I've emailed and contacted them by phone are : XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

To make this short, Wells Fargo has changed the order in which a posting transaction was made on my account to charge excessive overdraft fees. And they charge overdraft fees on accounts that have items that are pending, that cause the system to think there is no money in the account, and charge a fee per item. When the pending items post it changes the account balance which gives the account a positive balance that would have reflected on the account when the items posted. Which in turn wouldn't trigger a XXXX  account balance, in turn that wouldn't have triggered the overdraft fees. And when you try to reach an intake specialist in the executive office, they never take calls. They put you in a que. What happened to customer service!?
Product: Credit reporting or other personal consumer reports

The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section XXXX XXXX XXXX of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section XXXX XXXX XXXX states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the XXXX period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.
Product: Debt collection

n accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. NATIONAL CREDIT ADJUSTERS LLC. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. According to 15 USC 1681s-2 they are suppose to 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: Student loan

I submitted my application for PSLF based on federal employment in XXXX 2022. I received a notice in the mail approximately XXXX 2022 stating that there was additional information required. Due to the length of time it took to receive the notification in the mail, it was outside of the window to provide an update, and required a new application, which I submitted via fax XX/XX/2022 and there was no response from MOHELA. A second application was submitted in XXXX 2022 via USPS mail service ; to date still no response. I checked their website and there has been no updates to my account since XX/XX/2022. I have no knowledge of the status of my application, or if it was even received. There is no response from MOHELA and attempted phone calls have been met with XXXX hours wait time and the inability to reach an actual human with whom I can speak. As the contracted provider for PSLF, the lack of communication and reporting of status if unacceptable. The deadline for submission has come and gone, and I have no idea if my application was even received in time based on the lack of updates from MOHELA. I need to know if my application was received and is being processed to have my loans transferred to MOHELA as the sole servicer for PSLF.
Product: Debt collection

ERCI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Earlier this week, I submitted a partial payment on my student loan with AES, which was late at the time, in the amount of {$60.00}. Their system pulled the full monthly total of my loan, {$390.00}, from my deposit checking account, which triggered a significant overdraft. As a result of the initial overdraft, three other pending transactions also overdrafted on my account, which will trigger additional fees.

I contacted AES today when I attempted to buy groceries and found my account was in overdraft status. They recommended that I follow up with my own bank, XXXX XXXX, and put a stop payment on the transaction. Unfortunately, the window for that request passed, so the funds went out. 

AES did not know why their system pulled the incorrect amount. They did acknowledge that I inputted the payment amount manually, but they offered little insight into how their payment system failed. 

AES may refund the money, but I am now with a negative balance until my next paycheck, which will now be that much less due to fees and the original overdraft amount. AES acknowledged that any refund could take weeks and would impact my account status. I requested that they file an internal complaint to track the matter in case this was impacting other borrowers. 

This is their system 's fault, I've been harmed financially, and I believe this complaint is justified under the circumstances. Thank you for your time.
Product: Checking or savings account

I had many years Wells Fargo checking account, and no reason whosoever they closed my account XX/XX/XXXX and all money just gone. Even I provided all information to the local branch, my Military ID, Passport, Social Security and Driver license they anyway closed my checking account and approximately about {$10000.00} was just gone. 
Wells Fargo put my family at risk without any money to survive, without food. I was not able to pay mortgage and car payment even with my XXXX credit score, I never late in payment. 
Then I received email you have XXXX balance in your checking account. I visited local Wells Fargo twice to try to resolve strange issue made few calls and I still have no answer where my money disappeared.
Product: Money transfer, virtual currency, or money service

I purchased some items from XXXX and paid with my XXXX XXXX Credit card through Paypal. The items came up to XXXX in total. The items was supposed to be delivered in different boxes by XXXX  and XXXX. The box that was supposed to be delivered by XXXX was left outside by the door and or misdelivered. I never seen the items in that box that amounted to XXXX The rest of the items was delivered to me successfully. I then called XXXX spoke to XXXX and she credit me in the amount of XXXX for some of the items in that box but not all. She could not refund me the full amount of what was in the missing box because " There is a certain Limit of what she can refund '' she suggested I called my credit card company and file a dispute. I called XXXX XXXX and asked them to chargeback XXXX only for the items I did not receive I had already included the XXXX refund from the XXXX. There was a item that i received from the other part of the shipment that I returned to XXXX and received XXXX refund. That refund was also not included in the chargeback. A few months later I get a email from paypal that because of the chargeback I initiated I was double credited in the amount of XXXX and that paypal would limit my account until I paid amount to remove that limit from my account. I had a hard time calling paypal because of the pandemic, So I sent online messages and uploaded correspondence to paypal trying to show them that I indeed did not owe XXXX. I called on XX/XX/XXXX and got a response that the amount owed was sent to paypal internal collections. I again sent statements proving to paypal that XXXX XXXX only charged back XXXX and not the full XXXX. They finally closed my account today and claim I still owe paypal XXXX XXXX. I can no longer send them a message in regards to my account or balance or use the account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX