23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account from ABLTY RECVRY account number XXXX has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company which the claim {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an account which should have been deleted due to the FCRA guidelines. This account is beyond 7 years of the last payment made.

I request that Equifax delete XXXX XXXX account from my report immediately Equifax has reported incomplete and un-verified dates of Payments, Date of 1St Delinquency and date of last payment Equifax has the Date of Last Payment XX/XX/XXXX but list the account was not paid for 60 days on the account history Equifax has the date of the 1st deliquency XX/XX/XXXX and then has the account being 120 days delinquency on account history Equifax has not records of the amounts of these so called payments All of these things are false and have been entered by Equifax employees with out merit
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau Complaint** **Complainant Information : ** Name : XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Social Security Number : XXXX Date of Birth : XX/XX/year> **Business Information : ** Business Name : Experian Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone XXXX [ Experian 's Phone Number ] **Complaint Details : ** I am filing this complaint against Experian for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to block fraudulent information on my credit report as mandated by law. Despite my repeated requests and the clear evidence of identity theft, Experian has failed to take appropriate action, which is unacceptable. 

**Background : ** 1. I have submitted multiple requests to Experian to block fraudulent accounts and inquiries resulting from identity theft, as required by FCRA XXXX ( XXXX XXXX. XXXX ). 
2. Experian has not complied with the law, allowing inaccurate and fraudulent information to remain on my credit report, which has severely impacted my ability to secure credit and loans.

3. I demand that all fraudulent information be deleted from my credit report immediately, as the law stipulates, due to its inaccuracy and the fact that it is associated with identity theft.

**Request for Resolution : ** I am requesting the following actions be taken immediately : 1. Delete all fraudulent information from my credit report as required by law.

2. Provide me with written confirmation that all fraudulent accounts and inquiries have been removed.

3. I also request contact information for filing a lawsuit against Experian and every creditor listed on my report for their role in this identity theft and the subsequent reporting of inaccurate information. 

This situation is intolerable, and I expect prompt action to rectify these violations. Failure to comply will leave me no choice but to pursue legal action against Experian and the associated creditors. 

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

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX XXXX  XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.
Product: Mortgage

I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

My husband and I got a consolidation loan to pay off credit cards and started a new checking account with the bank that loaned us the money. My husband went and and paid several cards but made a mistake by adding an extra 1 at the beginning of the account number because we didn't have that account number and he called the bank but accidentally wrote it down wrong. He discovered that he made a mistake after none of the payments cleared. So when the balance showed back up, he then immediately paid the cards he made the mistake on. He then paid them off. The first payments were made XX/XX/XXXX and just today, XX/XX/XXXX we received letters stating that they closed the accounts because we are high risk for payment. So we paid off {$20000.00} on three accounts, Sam 's Club, JC Penny 's and Lowes all with Synchrony Bank. I called Synchrony and they were indifferent and actually quite callus. Took no effort to look at what happen which would have shown we fully intended to make payments but just made a mistake which we corrected. So now my credit report is going to say they closed the account because I am high risk. That is totally unfair.
Product: Credit reporting or other personal consumer reports

A bill was removed from Experian XXXX and it is not possible to add it back again, it is not even showing up as a potential bill. I sent an email about this to customer service ( XXXX ) on XX/XX/year> and was never responded to. On XX/XX/year> my credit score dropped significantly. The app cited that The time since my last delinquency has decreased but also states the date on the last late payment is the same as it always was, over XXXX years ago. Literally nothing has changed on my report. I cant submit a dispute because there is nothing technically wrong on the report. I called XXXX different numbers this morning trying to speak to an Experian employee and none of the phone trees allow you to talk to someone at all, and will often hang up on you if you ask.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XXXX and XXXX the trade line for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by Transunion. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : Transunion Credit Report, Loan transfer payoff from original lender,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer XXXX. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX Account # 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 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 convictions 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: Checking or savings account

I usually receive direct deposit from Capital One Bank on Wednesday evening or Thursday morning. I work XXXX jobs and have not received anything. It is XXXXXXXX XXXX here on XX/XX/year> and have not received my deposits in the amounts of {$500.00} and {$250.00}. I was told it should be here by this morning on XX/XX/year>. Capital One has sited technical issues which may violate the Electronic Funds Transfer Act of hi h requires timely access to funds. Can this be investigated.
Product: Debt collection

Genesis management DBA Columbia Debt Recovery are constantly pinging my credit for the original creditor named XXXX XXXX XXXXXXXX XXXX. I do not know these companies and I didnt sign any paperwork with them. I never signed a lease with XXXX XXXX XXXXXXXX XXXX ; the apartment belonged to my mother not me! They have brought my credit down drastically by constantly pinging it and the constant calls harassing me for a credit I dont owe. I would like for this account to be closed for FRAUDULENT and ILLEGAL reporting IMMEDIATELY. The debt is for the amount of XXXX. Its showing up on my credit report twice once from Genesis Management and Again from Columbia Debt Recovery. This is unacceptable and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I was alarmed to discover that American Express has reported a charge-off status for an account that I have had with them. This unexpected charge-off has significantly impacted my credit score and overall creditworthiness. I believe this situation to be inaccurate and potentially damaging to my financial standing.

In addition to the charge-off reporting, I have also been served with legal documents indicating that a civil case has been filed against me by American Express . 

The reporting started on XX/XX/XXXX. The last reporting was XX/XX/XXXX. The amount is for XXXX dollars. The civil case filing was on XX/XX/XXXX.
Product: Checking or savings account

I opened 3 THree new acounts a year ago, that now total over {$46000.00}. I was lured into chaning my bank account ( s ) to Citizens with the offer of {$600.00} to do so. 
I sat with the banker ( s ) and transfferred my account to them in compliance. ( which I thought ). 
Last week I went to assign a beneficiary to my accounts and saked where the depsosits were as I did not remember seeing them. He sat with me and stated I did not qualify as I had to have deposisted many months before the offer was completed. Yet I specifically remember when I opened the accounts needed I qualified with my initial meeting XX/XX/year>. 
I opened a checking, savings and even a new {$25000.00} CD account as well. I did not see the tiny tiny fine print on the postcard that you had to continue depsositing as the bank manager explained. 
Since I am elderly, I would NOT have transffered or opened a new CD and depossited all these funds with out knowing I would not recieve the offer to transfer and open these accounts. 
THus I feel strongly it was not explained to me and it was obvious it was a bait and switch situation.
Product: Student loan

I have been making payments towards PSLF since XX/XX/XXXX. I have confirmed that I meet all of the mandatory specifications to be enrolled. I verified my employment and was told since XX/XX/XXXX-XX/XX/XXXX that I had only made 26 qualifying payments.. This was a major surprise as I had been making payments every month on time with the exception of 2 times since XX/XX/XXXX. The problem lies in the transparency of Myfedloan in stating the " minimum balance '' correctly. For example, on the screen in black and white text, it would say my minimum due was " {$130.00}. '' I would then make an on time payment for " {$130.00} and I would receive an email saying " my payment was accepted and received. '' However, when I went to verify my employment with PSLF and have my payments credited toward my 120 qualifying payments, they claimed there have only been 26 qualifying payments since XX/XX/XXXX!! Without my knowledge and consent, they were applying the overage ( since I was rounding up payments ) to my principal, then the following month they would deduct that overage and say THAT was my minimum due ... Then I assumed, the minimum due was ALL I OWED to make a qualifying payment -- but it wasn't! Why am I being jeopardized for making an on time payment ABOVE the minimum? This was VERY misleading and NOT transparent. For instance, if I make a payment to XXXX, and pay the minimum due ( let 's say min is XXXX and I pay XXXX ) my payment is applied to my overall balance and the next month the minimum due STATES what I owe to make a qualifying minimum payment most likely still {$100.00} -- whatever I apply to the payment ( as long as it meet the MINIMUM required -- anything extra above and beyond the minimum still counts towards my payment!!! ) I am asking for my previous on time payments to be applied towards the 120 qualifying payments. I am also asking for there to be a change in myfedloan 's system -- where they are mandated to report the CORRECT minimum due according to " the persons 120 qualified payment amount '' regardless of what the person pays over and above that minimum.
Product: Debt collection

I originally opened a credit account with Capital One Bank. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.
Product: Checking or savings account

On XX/XX/2023 I had an appointment with Wells Fargo at the branch address XXXX XXXX XXXX XXXX, XXXX Maryland XXXX to open up a trust checking account. I submitted my trust to the banker and the XXXX department confirmed that the trust can be opened. The trusts name is XXXX XXXX XXXX ministry trust. As we were going through my personal information I told them that I was a non resident alien of the United States. The banker said this should not be an issue because the trust was already verified. As the banker was on the phone with the department that handles these matters he was told that they do not open any accounts for sovereigns and that the account can not be opened. The banker was surprised because hes done trusts with non XXXX citizens before but apparently he said this is a new rule. I believe this is discrimination because the account would have been opened if I was a citizen. This should not matter to opening a bank account. I gave them all the information that was needed and they accepted this until I said I was a non resident alien. This is unacceptable and very unprofessional.
Product: Credit reporting or other personal consumer reports

I noticed this XXXX 2024 I have items on my report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.
Product: Debt collection

Dear NCB MANAGEMENT SERVICE, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account Number:XXXX Original Creditor : XXXX XXXX  XXXX XXXX Amount : {$1900.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.
Product: Credit reporting

I have no business with this company. I have no knowledge of money owed to this entity.
Product: Money transfer, virtual currency, or money service

Ive sent the wrong person money on zalle before and XXXX XXXX XXXXXXXX has told me that its nothing they can do about it since its already sent and I was warned before hand that it was the wrong person so I still ended up having to paying all over again
Product: Checking or savings account

I called customer service and asked a supervisor/manager to call me back or email me regarding the {$400.00} bonus if could give me as a courtesy. But no one called me or email me within 24 hours. 10 transactions were only 1-2 days late.