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

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of Education/XXXX . I believe that the Department of EducationXXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. The details of my complaint are as follows : 1. Creditor 's Name : Department of EducationXXXX 2. Account Number : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of EducationXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, XXXX, TransUnion ]. Furthermore, I have noticed that the Department of EducationXXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of Education/XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of Education/XXXX adheres to its reporting obligations and corrects the interest charge. I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint. You can contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any additional information. Thank you for your assistance in addressing these issues.
Product: Checking or savings account

I had a account closed back in XXXX and there just holding my money at the bank for no reason they keep telling me that they can't release my money for no reason they say it's because of they XXXX has hold on my money but when I call to talk to them they say its not them it's truist bank
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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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

PayPal permanently limited my account. All of my savings is currently in my PayPal savings account. They told me I can not use PayPal anymore and that I must wait six months in order to withdraw my money. This was completely unexpected and they refuse to tell me why. The reason they give is that their back office team has deemed my account to be involved in risky activities or behaviors. They refuse to tell me what these activities or behaviors are. Whatever the reason, Im quite positive that it was either a mistake or something that can easily be explained. I dont understand how they can take such drastic action without giving me a chance to defend myself.

Now I am supposed to wait six months before I can gain access to my own money. This has caused me and my family a lot of stress. I have a XXXX XXXX XXXX XXXXXXXX XXXX. What will happen if my family has an emergency within the next six months?

PayPal has not been transparent with me. I believe their practices to be unethical. 
They have told me that PayPal reserves the right to refuse service. Absolutely they do! I fully agree and support their right. Heres the problem. I am not asking to resume using PayPals services. I do not want anything to do with them. What Im asking for is access to my own money so I can withdraw it to my bank account and then be done with PayPal forever. I am asking for this right now - not six months from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit from XXXX XXXX. The original creditor is XXXX, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.
Product: Credit reporting or other personal consumer reports

This account was sold at auction and Ally never sent me balance letter or informed me of sale. Today I called them and was told the balance is currently XXXX. The balance that is showing as past due on my credit report says XXXX. The amount is not correct and affects my debt/ratio based on this showing an Incorrect balance
Product: Checking or savings account

On XX/XX/2020 my purse along with my Bank of America debit and credit card was stolen. {$2000.00} was stolen off of the debit card via them adding the stolen card to there XXXX account and sending themselves or someone else the money. Bank of America received the claim and the police report of the items being stolen and still denied my claim twice saying they wont reopen it or reimburse my money.
Product: Debt collection

Received a letter dated XX/XX/2023 from XXXX XXXX XXXX ( address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ohio XXXX ) that I have a debt amounting to {$5900.00} owed to TD Bank N.A. with account number ending in XXXX ( Reference number XXXX ). I do not have and never had an account with TD Bank N.A., I do not owe any amount stated in the letter. The letter was also sent to an incorrect home address. I have tried to contact XXXX XXXX XXXX and left a voicemail that I am contesting this notice and debt and reporting it as fraud. I have asked them not to contact me anymore, as I have nothing to do with this debt.
Product: Debt collection

They are asking me to pay a debt that I never own. I asked them to provide me proof that this was processed by me but no response from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victimized by identity theft.I reviewed a copy of my credit report and ( XXXX ) ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( XXXX ) and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX XXXX XXXX in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of XXXX the unauthorized inquiry is still reporting. XXXX and XXXX have both deleted the unauthorized inquiry but for some reason XXXX refuses to adhere to the Fair Credit Reporting Act.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. 

MOHELA : # XXXX  # XXXX XXXX XXXX XXXX # ACCT # XXXX, Loan Sequences : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/XXXX  ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Student loan

I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.
Product: Debt collection

This company sent me a Court Summons right after I submitted a letter requesting validation, so they didn't give me XXXX days to request validation. They took legal action. They are saying they received a blank letter but I have proof of the letter I sent, and all were sent certified mail return receipt ( As you can see in the attachement ) The letters has blank pages between them to separate the information. 
This company sent me validation for a debt that is not mine. The bill of sale is not under the name of this company, as you can see is under another name, my name or signature is not there either anywhere!!, and the INCREDIBLE THING is that this bill of sale that was used to summon me to court was made and signed a year before the account they claiming I owe, was even opened. It is impossible that a Bank sold an account to a collector a year before the account was even opened with the bank. This company is falsifying documents to claim I owe them money. How is it possible you summoned me to court with a document like this? 
Attached is the proof of some documents they sent me with the bill of sales under another 's company name and was signed in XXXX XXXX!! 
I want this company to cancel that summons immediately and stop collecting a debt they don't own and I don't owe to them. Otherwise, I will submit proof that I don't owe this debt and will put my case with a lawyer to demonstrate you are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # 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 2. In accordance with the Fair Credit Reporting act, XXXX  XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, 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: Credit reporting

I was initially suppose to get my annual free credit report but when it asked the security questions it stated that in my file i have opened some retail bank cards which i have not opened up please help me.
Product: Credit reporting or other personal consumer reports

XXXX reported account as lateXX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( TransUnion, XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies and violations related to the items listed on my credit report. I have identified specific entries that contain incorrect personal information and errors in the reporting of certain accounts. For example, there are XXXX incorrect addresses on my credit report that I want deleted immediately. Additionally, I have found accounts that are inaccurately marked with payment histories that do not reflect the reality of my financial behavior, such as accounts that I paid as agreed, without being late. 

I am requesting that these accounts be corrected to reflect their accurate status, as stipulated under 15 U.S.C. 1681i, which gives me the right to dispute the accuracy of any information reported to credit agencies. I am also invoking 15 U.S.C. 1692g, requesting that certain debts reported by collection agencies be validated. These debt XXXX must provide proof of the debt or the items must be removed from my credit report. 

I have tried working directly with the credit reporting agencies and creditors, but have been unsuccessful in having these issues resolved. I am now demanding that these inaccuracies be corrected within 30 days, as required by the Fair Credit Reporting Act under Section XXXX ( a ) ( XXXX ) ( A ). If I do not receive a satisfactory response within this period, I will be forced to pursue legal action, including filing a lawsuit in federal court for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This could result in seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and other legal violations related to the misreporting of my credit. 

By sending this certified letter, I am following the legal process for disputing inaccuracies on my credit report and ensuring my rights under XXXX law are upheld. If the requested corrections are not made, I will take the necessary steps to hold the reporting agencies and debt XXXX accountable in court.
Product: Debt collection

I received a letter from Resurgent Capital they purchased my account but the account is from a credit card that my credit protection supposed to make the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

To regulators, This is my 3 or 4th complaint against TD Bank. They are literally much worst than the problems of XXXX XXXX. Right now, there was a fraudalant charge that TDBank flag to me over text and ask if that was real. I answer back over text that its fraudulant. They text back they will review that over text. Normally, I expect them to freeze that charge like before, somehow their new run-around setup is all no help and fraud charge noted in the text answer stated above went through and posted on XX/XX/2019 after my additional message on the TD Bank website saying its fraud a second time. 

After waiting about 6 to 8 hours, I went on the website to ask for update of my claim that its fraudulant charge. No answer over 24 hours. Then I called in, nobody understand nor care to fix the at-issue item I repeatedly stated about the fraud charge, they say " not my dept '' or " not my job '' run-around. Nothing gets done and a waste of time either going to through unending verification and then no help or a direct person that handles CFPB complaints and say its " not my dept '' can't really help. Thats why I am submitting another CFPB complaint to get actual help. 

The only possible results has been asking regulatory actions against TD Bank and revocation of business due to repeated setup of harm to consumers and their access to service. I ask your organization to start regulatory reviews of TD Bank products and services. I only get anything done in help by official complaint and hope there's repeat heavy fines against the organization and their personnels. 

The fraud charge was for " XXXXXXXX XXXX '' of - {$130.00}