23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, ONLINE INFORMATION SER, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file.
Product: Student loan

I logged into FedLoan online several weeks ago and noticed my account was marked in a paid ahead state. I have never paid ahead as I always use direct debit. There have been several errors with my loans over the last two years requiring administrative forbearance holds to be placed on my loans in order for FedLoan to fix their errors. These pauses in payment were placed by the company and not requested by me. When they paused my plan, they did not direct debit from my account in summer of XXXX. I later was instructed to make that payment in XXXX and that was to be retroactively applied to the payment they did not debit ( their error ). I have received PSLF detailed payment trackers that show that payment was successfully retroactively applied to the payment they incorrectly paused. I suspect that payment triggered a paid ahead status on my account in fallXX/XX/XXXX. I did not see it noted as paid ahead until XX/XX/XXXX. I called FedLoan in XX/XX/XXXX and asked for that to be removed. They stated they could remove it going forward but that they didnt need to remove it retroactively. I am aware of people being denied PSLF for being in paid ahead status. I emailed my assigned customer service contact XXXX XXXX who has dealt with the other errors made by FedLoan on my account. I have not heard back. 

I would like to see written documentation from FedLoan that the paid ahead status has been retroactively removed from the duration of my account and that my account will no longer be placed in paid ahead status. 

I will be ccing my Congresswoman XXXX XXXX office on this matter as they have been involved in conversations with Department of Education on my behalf in the past to correct FedLoan errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Product: Credit card

An fraudulent account was opened with Synchrony in my name - I did not open this account.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/19 received a collections notice from " XXXX XXXX '' in XXXX, WA, for a XXXX debt. 

We have never had XXXX and have never opened an account for someone else under my name for XXXX. 

I called XXXX XXXX. They seemed courteous, told me they put the " account in dispute '', and that I should be sure to call XXXX also. They also said they would transfer me to " the department that will take care of that '' at XXXX. 

I waited on hold for a few minutes and was apparently connected to XXXX. When " XXXX '' picked up, I explained my situation ( the above details ) and the line was disconnected. 

So, I called XXXX and went through 4 people to finally get someone to put this bill in dispute. 

I looked up " XXXX XXXX XXXX '' online and ran across others who have similar experiences with a very official looking collections notice. 

Thank you for doing what you can to shut these people down.
Product: Mortgage

I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.
Product: Prepaid card

I have tried to use this card for several online purchases below the remaining balance, and I can not get it to work. I followed all the steps I found online with no success, and it appears this is a common issue with AMEX prepaid gift cards.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX  XXXX XXXX, leading to the incorrect reporting of a XXXX late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

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

I have a disputed this credit account with you before and it has been taking off my XXXX and XXXX reports but the XXXX reflecting on my XXXX and like I've said before this isn't that my account I have no knowledge of this account at all and it is already been taken off two of the three accounts with the bureaus I am extremely upset it's still on the one which it should not be and I am about to sue if it's not taken off immediately
Product: Mortgage

In XXXX of XXXX I was in the process of an assumption on the mortgage in place. They originally tried to run as a refinance or purchase assumption for a home I'm on the Deed to. Doing this costs me closing costs on a refinance and I can't sell myself a house I already own per title. In XXXX I was removed from the mortgage by my x husband and XXXX XXXX without authorization and It was not done correctly per the title company I was working with at the time. It has not been an issue but now I am again trying to get the assumption done which should be credit qualifying assumption and very easy but I have been waiting patiently for a return email or phone call since XX/XX/XXXX. I have an insurance coming due and with my ex husband who holds this loan having terrible credit I'm forced into {$3700.00} per month home owners insurance because I have to have him on the insurance. I have had no late payments in well over 12 months and make more than enough money- it is me making the payments and I am on title. I need to get this done but I can't even get a phone call or email back I have emailed XXXX, XXXX XXXX at XXXX, and XXXX XXXX at XXXX. I call the phone number on the account and they say I can only reach assumptions by email. There is no way they can transfer that sort of call.
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 mu federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquiries which I do not recognize and which are not belong to me.
Product: Credit reporting or other personal consumer reports

My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
Product: Credit reporting or other personal consumer reports

What's up CFPB. I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. 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 account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There are late payments from XXXX of XXXX til XXXX of XXXX. Not to mention XXXX for months XX/XX/XXXX, XX/XX/XXXX, and 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 on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late.
Product: Checking or savings account

I booked a flight with a connection so that's XXXX  tickets on XX/XX/year> and I was charged XXXX and XXXX the problem is they charged it XXXX additional times so I was charged 4 times for the XXXX and XXXX 4 times they refunded during the dispute the XXXX additional charges for XXXX and successfully ruled it in my favor but they refuse to give me the XXXX charges back and they won't pursue any investigation on the matter or give me a reason why it's a clear banking error each charges has the same serial number that's over XXXX of my money missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.
Product: Credit reporting or other personal consumer reports

I have been instructed to write a letter to you since I am a Survivor of XXXX XXXX 

I really need your assistance with this situation since I am trying to get my life back together after being involved in XXXX XXXX 
The Accounts that I put below are due to XXXX XXXX : Please remove these accounts so I can start taking steps to getting my life back. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS FRAUD DUE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act as a result of Human Trafficking Debt Bondage, Trafficking Debt Final Rule. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

On XX/XX/XXXX I was the victim of a scam. I received email from XXXX/ w link to call, which I did. I was advised that I needed to transfer funds to pay for this. I said I did not do this, they said a claim needed to be done, I said fine, Then the person on the phone said that I need to check my bank account. I did and there was a huge transfer of funds into my account, and that I needed to return them via XXXX. I do not know how they got into my bank account at Wells Fargo Bank, I feel they had help, not only did I get the money and send it to these crooks, they also took money from my Wells Fargo Visa Account- CASH ADVANCE, which I did not authorize, nor did I know that this had been done. I immediately called the Wells Fargo Bank, they said I need to go into the office which I did, closed my accounts, filed the necessary paperwork for the FRAUD that was done with me, which I did. The bank manager said that Wells Fargo Bank should have caught this, but they did not. I did not authorize any of this, I have a verbal PASSSWORD on my accounts, no one from Wells Fargo Bank called me at any time. Now I have lost over {$20000.00} of my cash, plus the CASH ADVANCE money which Wells Fargo Bank is saying that I owe them, even though I did not authorize it. I have never taken a CASH ADVANCE. I feel that someone in Wells Fargo Bank is responsible for all that has happened to me, but Wells Fargo Bank refuses to tell me anything about who in Wells Fargo Bank approved of all that happened, which I firmly believe someone in the bank did make it all happen. Wells Fargo Bank has access to all of my information. I did not ever give any information out to anyone at anytime. 
I have received correspondence from Wells Fargo Bank saying I owe them the CASH ADVANCE MONEY, even thought I did not authorize it. I have had an account with Wells Fargo Bank since XXXX, Visa Account since XXXX.NO PROBLEMS. I need help. I am a senior, hitting XXXX. I have done reports to : XXXX XXXX Police XXXX, FBI, Federal Trade Comm.NAPSAXXXX, Office of the Comptroller of the Currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX XXXX court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I CALLED XXXX XXXX CREDIT CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE XXXX XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE XXXX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT XXXX I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF XXXX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A XXXX AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.