23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.
Product: Credit card or prepaid card

I had a Wells Fargo credit card involved in the XXXX Wells Fargo account fraud scandal in which Wells Fargo sales representatives without consent of pre-approved customers created fraudulent charge accounts and collecting fees. Wells Fargo 's corrupt actions resulted in a multiple XXXX dollar law suit and settlement on thousands of accounts. I disputed on several occasions providing written complaints with wells Fargo in XXXX and XXXX. I explained that I was paying my account monthly through their electronic payment process which was suddenly stopped in XX/XX/XXXX. I contacted Wells Fargo and was advised that they had no record of my account. I never received any written, telephonic or electronic notification from Wells Fargo since that time. Upon review my recent credit report it revealed that Wells Fargo had closed my account, charged late fees, and charged off the account as a bad debt. I was never received any written notification or telephone calls from any collection agency regarding my account. As a result of their action my credit score was damaged. In XX/XX/XXXX, I again contacted Wells Fargo by telephone and was again advised that they had no record of my account and hung up. I would like the CFBP to look into this improper consumer behavior and assist me in resolving this matter.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well  as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of my credit rep
ort.
Product: Debt collection

1. The debt collector stated below that they have not received nothing from me and then on another end the debt collector stated they sent me validation documents from a request I made. Which is it? 

2. According to the data furnisher laws yes if a debt is due then the company has a right to collect on the debt however the company does not have the right to report after the statue of limitations. 

3. On one part the debt collector stated the debt was {$300.00} around 5 years ago however they wanted over {$500.00} to settle the beyond statue of limitation debt. 

4. Remember the words " subsequently, investigated ''. 








Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account. PRA purchased the XXXX XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' XXXX XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$300.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. The expiration of a state statute of limitations on legal actions limits our ability to pursue legal remedies, but not our ability to collect on the account. We found we previously ceased all calls and other collection communications regarding the PRA account ending in XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which is similar to the dispute you made in this complaint. In response to that dispute, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent you a letter on or about XX/XX/XXXX, containing validating documentation from the original account. We believe that the validation provided resolves the dispute and no further steps in response to your complaint or follow-up actions are required at this time.
Product: Money transfer, virtual currency, or money service

my mom sent me a zelle payment that was never put in my account. i was literally with her when she sent it so we were able to confirm and verify that it was to the correct account and that all my information was correct. they told us to wait 7 business days. we did, i never received the money. we never received a response from zelle after that.
Product: Checking or savings account

I received a debit card from Chime that I had not requested. More importantly, they issued the card and opened an account in my name despite me having a fraud alert and credit freeze on file. I called customer service and they closed the account. I am not sure how anyone could have opened it in the first place when I already had taken the necessary steps to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and when I checked my credit report I realized I had a couple of fraudulent hard inquiries. Im have a membership with Experian so right away I was able to locked my credit report. I tried to dispute this fraudulent hard inquiries online but it wont let me. Please remove these fraudulent hard inquiries from my credit report. Thank you very much for your help! 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus XXXX XXXX unauthorized XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to REFILE the complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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

I applied and requested extension on my mortgage payment during covid. I am now under repayment plan, however, XXXXXXXX XXXX is reporting my account as delinquent. I have already called them and I have been told that this account will be reported as delinquent for the reminder of the repayment plan. 

The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) XXXX XXXXXXXX, however, is reporting the account as delinquent when based on care act the debt should be reported as current because XXXX has agreed to sign me up for a repayment plan.
Product: Consumer Loan

XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX
Product: Mortgage

response to # XXXX. 
Dear CFPB.This is what I wrote to you in letter dated XXXXThe XXXX  you, they XXXX   me, they XXXX  Department of Banking , and the giving false information to the their sister company XXXX.A little background.In Connecticut city tax can be in effect only on XXXX XXXX and can be can be raised every 5 yearsWe got big increase in city tax 2 day after we bought home in XXXX XXXX.So next increased in tax can be effect on XXXX XXXX XXXX.So in the 3 quarts of XXXX   there was any increased in tax.So this is perfidious and insolent XXXX.They increased tax without any good reason.That true.Also without good reason they increased monthly payment to {$1600.00} from {$1600.00} /previously/.Yes there was an increased in home insurance in XX/XX/2019 but this $ XXXX monthly was included in $ XXXXSoThere could  not be any increased in XXXX XXXXThey count this {$24.00} second time by increasing monthly payment from {$1600.00} to $ XXXXSo again perfidious and insolent XXXX. 
So LOANCARE and XXXX are perfidious and insolent XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 5 inquiries on my report that I have no knowledge of XXXX XXXX XXXXXXXX I never had a account with the debitor thats claiming I lived in that apartment
Product: Checking or savings account

Thousands of dollars of overdraft fees. 

Wells Fargo
Product: Credit card or prepaid card

Received unsolicited USBankreliacard Debit Card in the mail on XX/XX/XXXX. 

When I called the card issuer they informed me that someone had opened an account in my name in order to receive unemployment insurance benefits from the state of Colorado. This is absurd as I moved from another state to Colorado ) 4 years ago when I retired. However, I did live in Colorado until XX/XX/XXXX. 

The card issuer informed me that one the steps I needed to take in order to derail potential Identity Theft was to file this report.
Product: Debt collection

XXXX was the first compliant I filed. The collector called my place of business asking for me. I returned the call and asked them to stop doing that. It continues. 

Today XXXX from Credit Corp called my business asking for me.
Product: Credit card or prepaid card

On XX/XX/2019, I was double billed by Navy Federal Credit Union ( NFCY ) for a car I rented in XXXX XXXX, Iowa. 

I reported the matter in upon receipt of the credit card bill per the Fair Credit Billing Act ( FCBA ), and again in XXXX. Please see Pages 1 - 11 of the attachment. 
NFCU acknowledged the dispute on XXXX XX/XX/2019. Please see Page 13 of the attachment. 

During XXXX and XXXX, I responded to NFCU 's questions. A record on these interactions is provided as Pages 13 - 18 through 33 - 51 of the attachment. 

On XX/XX/2019, NFCU advised that they were refusing to reverse the duplicate charge, noting, " As of the date of this letter, we have not received any correspondence from you. Therefore, we have concluded or investigation and determined that no billing error occurred. '' Please see page 52 of the attachment. 

Today, XX/XX/2019, I called NFCU and requested to speak to an ombudsman or someone higher up the chain authorized to discuss disputes. I was instead forwarded to the same Credit Card Chargeback and Resolution Section that had previously denied my claim. The agent, who gave her name only as XXXX but refused to provide a last name, first denied that NFCU had ever received any correspondence from me. 

When I noted that I have Express Mail Receipts signed by XXXX XXXX and marked " agent '' ( please see Pages 13 and 33 ), XXXX changed her position and admitted NFCU had in fact received my responses. She then said that the time NFCU is prepared to spend on this has expired, and the credit union refuses to reverse the charges. 

When I again asked to speak to a credit union ombudsman or similar official for higher level appeals, XXXX announced that there was no such position and the matter was closed. 

I ask that your office review the attachment in accordance with relevant Federal laws, and advise whether or not NFCU acted correctly. If not, I ask what options I have under the law going forward to reverse this double billing and the interest NFCU is charging for it. 

Thank you for your attention to this matter. 

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

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX  XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX/XXXX  XXXX {$13000.00} USDOE/XXXX  XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Product: Credit reporting or other personal consumer reports

The Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under XXXX5 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The Credit Reporting agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/ was the latest time that i have sent out disputes via USPS and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to 15 additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has appeared on my credit reports. The account in question was opened by XXXX XXXX, a debt collection agency, without my knowledge or consent. As a victim of identity theft, I am deeply concerned about the impact that this fraudulent account could have on my credit history and financial wellbeing. 

I first became aware of the fraudulent account when I received a notification from bureaus about a new account that had been opened in my name. I was surprised as I had not applied for any new credit in the recent past. Upon reviewing my credit report, I discovered that a credit card account had been opened in my name without my consent. 

The impact of this fraudulent account has been significant. It has lowered my credit score and made it more difficult for me to obtain credit or secure favorable interest rates. It has also caused me significant stress and anxiety, as I worry about the long-term implications of having a fraudulent account on my credit report. 

I want to make it clear that I did not authorize this account and I am not responsible for the debt that XXXX XXXX is attempting to collect. I have taken steps to protect myself from identity theft, including monitoring my credit report regularly and being vigilant about protecting my personal information. I have also reported this incident to the Federal Trade Commission. 

I respectfully request that you take action to investigate this fraudulent account and ensure that it is removed from my credit report. I am willing to provide any documentation or evidence that may be necessary to support my case. I believe that it is important to hold companies like XXXX XXXX accountable for their actions and protect consumers from the harmful effects of identity theft and financial fraud. 

Account details : XXXX XXXX - XXXX XXXX XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX