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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off XXXX OF XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$2900.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$3700.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$1200.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$620.00} Collection XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiry in Dispute : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 XXXX 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: Vehicle loan or lease

I paid Ally Financial the month of XXXX in advance for my XXXX XXXX auto loan. I made the early payment of {$340.00} on XX/XX/XXXX. 

On XX/XX/XXXX I asked Ally Financial to refund me the early payment since I was trading in the vehicle at the end of XXXX, before XXXX, and I wouldn't have the car in XXXX. 

Ally Financial said they would process the refund and it would take 7-10 business days. They also gave me a reference number ( XXXX ) for the refund. 

I traded in the XXXX XXXX vehicle to XXXX on XX/XX/XXXX. 
XXXX then paid off the Ally Financial XXXX XXXX auto loan on XX/XX/XXXX. 

I never received the {$340.00} from Ally Financial. Instead, I received a check for {$27.00} on XX/XX/XXXX from Ally Financial. 

I reached out to Ally Financial on XX/XX/XXXXXXXX  and asked where my refund of {$340.00} was. They told me that I should dispute the charge with my bank to get my refund since the payoff was already made. They also stated that the {$27.00} check was an extra payment from XXXX. 

I then disputed the charge with my bank ( XXXX XXXX  ) and provided the necessary documentation and received a reimbursement from XXXX XXXX  of {$340.00} on XX/XX/XXXX. 

Once I was reimbursed the {$340.00} from XXXX XXXX, I received a call from Ally Financial stating I still owed them this new amount of {$340.00}. They also told me I would be getting a {$770.00} check in the mail and they failed to explain why. 

I then received numerous calls, emails, and texts from XXXX 's employee XXXX XXXX to pay Ally Financial the {$340.00}. 

Once I received the {$770.00} check in the mail from Ally Financial, I deposited the check on XX/XX/XXXX and paid Ally the {$340.00} on XX/XX/XXXX. 

Ally Financial then had the full {$770.00} check refunded back to them from my bank on XX/XX/XXXX. 

So I still paid them the {$340.00} early payment and I still haven't received the refund for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent Transunion data breach and may have gotten compromised by the breach.
Product: Credit card or prepaid card

Discover card sent me an email about four or five months ago saying that if I sign up for automatic payment and after two automatic payments are processed from my checking account that I would get a {$40.00} statement credit. There has already been three automatic payments and has already been three months and I still have not seen the credit and when I call customer service they say they have no idea what Im talking about.
Product: Credit reporting or other personal consumer reports

I have requested that the following information be adjusted : XXXX XXXX XXXX XXXX XXXX XXXX  I requested this via certified mail.
Product: Credit reporting

There are multiple hard inquiries on my credit report and I do not know how to get them off. They were unauthorized.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed theres inaccurate information being reported on my account. I reached out to the collection agency and original creditor. This account is reporting and i dont have a contract with the collection agency nor proof of debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

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

On XX/XX/2024 the following accounts were disputed per USC 1681B and 18USC 1028A Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Please have accounts removed immediately
Product: Debt collection

XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX  DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX   XXXX

XXXX XXXX

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a call from " Chase fraud prevention '' about a wire template being set up on my business account. I use quotations because this was actually a scammer calling from a Chase phone number. They altered me to the wire and asked if I would like to cancel the wire. Assuming I am talking to chase I confirm my personal info but do not tell them my account info. The use this information to wire {$42000.00} out of my account. The phone call seemed odd so I immediately went into my local Chase branch to alert them of the situation. They inform me the wire has been set up and delivered. I tell them this is fraud right away and ask them to cancel the wire. They tell me it has been sent and will try and recall the wire. What follows next from Chase customer service is a nightmare. As of today it is XX/XX/21 and I do not have my funds back and Chase is basically telling me this is my fault and I don't know what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022 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 moreover 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.

I do not recognize these inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian stating this was not my account mistaken identity and false credit reporting by Experian. It's already been closed but they are refusing to remove it from my credit report. XXXX is the company.
Product: Mortgage

I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX.
Product: Vehicle loan or lease

Received an alert by email from turbo tax that my credit score changed referencing a late auto loan on XX/XX/18. I then checked the mailbox to see that I had received my first notification from Chase Bank dated XX/XX/18 on XX/XX/18 that my car loan was 30 days late, though it was set up on auto withdrawals. 

I Immediately contacted chase bank and was told there was a auto withdraw system purge error on thier end, that had effected numerous accounts and my account was one effected. I was told by operator XXXX that my account was two months behind not one and they needed both months payment payed in full before they could fix the issue. ( {$970.00} ) I asked about the credit reporting issue and was told it wouldnt be effected, only it already had been effected which I advised them and was dismissed on the concerns. I was assured it would be cleared up after the two months in payments was made. The two months of payments ( {$970.00} ) was made even though their own paperwork showed only one month was actually late. 

Payment was done this same day XXXX18. After the payment was made, I logged into the on line chase account and it still showed one month behind not two and in reviewing my credit report, it was greatly effected by thier auto withdraw system error some 70 points  or so. 

Why if they were aware of the system error why did they allow these accounts to still report to the credit bureaus as late? 

When will the error be fix with the credit reporting agencies and why should I be Inconvenienced when I set up my account with auto withdraw to avoid exactly what happened, not to mention being told to pay two months contrary to what was on the notice.
Product: Student loan

I am participating in the Public Service Loan Forgiveness program. My consolidated loans under this program are Serviced by MOHELA. Per MOHELAs website and repeated admission, my 120th and final payment was applied as the XX/XX/22 payment, qualifying the balance of my loan to be discharged in its entirety. It has been over 180 days and still MOHELA recognizes a balance and forecasts future payments due. I wish for MOHELA to follow the federal guidelines pertaint to my loan under the PSLF program and discharge my remaining balance at once.
Product: Bank account or service

I am a long term account holder with Bank of America. In general, I have never had a problem until XXXX XXXX, 2015 at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to " get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number: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 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 XXXX 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: Debt collection

I should not be contacted for this debt because it was incurred when I was an employee for XXXX. The classes were supposed to be paid for by XXXX through the employer. Ive told this company that before and they continue to harass me and call looking for money. They havent provided me with anything from XXXX to say that they refused to pay the amount so as it stands I dont see why Im being contacted for the funds. On top of that, XXXX University was neglectful in providing me with timely information which they admitted especially when it came to processing my claim to them because during the time of my Tuition Credit Waiver. I had a death in the family which I informed them ( sent them a copy of the death certificate ) of and was unable to complete the course due to mental stress. They took their time getting back to me and I dont recall being aware of owing any funds. I need proof sent to me that I owe General Revenue Corporation these funds. XXXX never contacted me and may have written off this debt. They were the original creditor so the money is not going to them. I dont owe General Revenue Corporation and would like them to remove the debt they are trying to collect on me until they have sent proof in the form of a debt verification letter that they are legally entitled to speak to me regarding this debt. I am a victim of identity theft and I need documented proof regarding this debt.