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

I am writing to formally dispute the inaccurate reporting of a collection account on my credit file. The account in question is listed under the name of XXXX XXXX XXXX XXXX with the account number XXXX. This account does not belong to me, and I demand that it be thoroughly investigated and removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. The inclusion of this fraudulent account constitutes a clear violation of my rights under Section 605 of the FCRA, which mandates that only accurate information can be reported. I dispute this account as unauthorized and erroneous, and it should be permanently removed from my credit report. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any attempts to collect a debt from an individual who does not owe it. This collection account has no legitimate basis against me, and I will not tolerate any further attempts to harass or damage my credit. The reporting of this account is an unlawful violation of my rights, and I am prepared to take appropriate action if necessary.
Product: Credit card or prepaid card

I have a Wells Fargo " Cash Wise '' credit card with 4 promotional balances ( 0 % interest ) right now expiring in different dates : On  XXXX 's statement the balances were as follow : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$720.00} expires on XX/XX/XXXX - Balance of {$900.00} expires on XX/XX/XXXX - Balance of {$4300.00} expires on XX/XX/XXXX The due date for this account is on the XXXX of each month and I have never missed a payment on the account. I made a payment of {$500.00} on XX/XX/XXXX. I am making payments above the minimum focused on paying off the balances that expire the soonest which would be XX/XX/XXXX and XX/XX/XXXX XXXX. 

I received the next statement on XX/XX/XXXX and these are the balances after the {$500.00} payment was applied : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$670.00} expires on XX/XX/XXXX - Balance of {$840.00} expires on XX/XX/XXXX - Balance of {$4000.00} expires on XX/XX/XXXX So if you notice, the two balances that expire in XX/XX/XXXX received only {$77.00} and {$51.00} respectively and the largest percentage of the payment was applied to the balance that expires on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and I asked them : How am I supposed to pay off those balances that expire in XX/XX/XXXX, when most of my payment is being applied to the balance that expires in XXXX? 
The guy couldn't give me an answer. He just told me that they split the payments among all the balances. 
He then passed me to a " supervisor '' that couldn't give me an answer either, she repeated what the first person told me, and she told me that someone from the corporate office will contact me soon. 
I asked her if their expectation was for the customer to pay interest even though the customer is making over payments to try to avoid paying interest and her answer was that it wasn't intentional. 
I have other credit cards that offer promotional balances and the great portion of the payments if not all it's applied to the balances that expire the soonest. But with this company the customer would never win, the way they apply the payments is designed to affect the customer even though the customer is responsibly making payments. 

I think that this is another example of the cultural rot inside this company.
Product: Student loan

Nelnet has lost my repayment plan application and has no record of loan consolidation either. I have lost all XXXX for working has a physician so far this year, accruing debt, and have no plan established per them. XXXX reflects that they are still reviewing my application and that my consolidation was finally completed on XX/XX/XXXX, however XXXX does not have my consolidation approval in their database either. This is gross fiduciary negligence. I have already spent several hours on the phone with Nelnet and have had no resolution, rather, I have discovered that even more of my loan information has been mishandled. 

Spoke with Nelnet on a recorded line for XXXX hours yesterday, XX/XX/XXXX, with no resolution nor explanation of why there in information disparity in XXXX different locations, with encouragement to " default '' on my loan until the details can somehow be worked out ... by me?
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in 2022. Please see supporting documents and remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do recognize the following inquiry XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despites numerous submissions, Equifax consistently responded within 24-48 hours stating the account is accurate, without providing any evolution a thorough investigation. As well Ive have been a victim of identity theft and submitted FTCs report and there investigations are still saying the information is accurate.Which prohibits my rights and federal laws. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs action also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the FOBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. The accounts ending that have been marked also including personal inaccurate information are : XXXX. And including personal information such as inaccurate name and employment information.
Product: Credit reporting or other personal consumer reports

I have recently become aware that my sensitive data has been compromised in several breaches, leading to potential fraudulent activity. As a result, I have noticed several unauthorized inquiries on my credit report that I did not initiate or authorize. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I kindly request that you investigate these inquiries and remove any that are found to be unauthorized. 

below I am attaching supporting documents of data breach information I have been notified about.
Product: Mortgage

I am contacting for assistance with this matter that has put me in a deep whole through no fault of mine. We purchased our home in XXXX of 2019 loan done by United Wholesale Mortgage the company was collecting {$630.00} for escrow which included taxes, insurance, and PMI. It Should have been {$950.00} monthly which we just discovered when we met with a loan officer. On our settlement statement they only collected {$290.00} monthly for my property taxes when in actuality the tax bill was for a total of {$6800.00} XXXX monthly. This caused us to fall into a deep hole which the company could never resolve. Then we were sold to another servicer XXXX XXXX who collected the lower amount and put us deeper in a whole. We received a new statement with a total mortgage due of {$3400.00} for the shortage that they did not calculate correctly. This has caused us to be late and now we are 2 months behind and reported this on our credit during the moratorium
Product: Checking or savings account

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I had a moment I looked at my phone to see there was a high alert with my email account indicating that someone was trying to access it at that moment from another location. Shortly after this alert, I logged on to my bank account and made sure there was nothing going on. I immediately noticed an unauthorized charge to XXXX of {$33.00}. Concerned, I called Wells Fargo and spoke with someone momentarily. I was at school, so I couldn't complete the conversation. Within the hour, my phone was not able to receive or make phone calls because of an outside source and I had no way to freeze my account. By the time I came home from work, I checked my account and it went from {$6000.00} to {$600.00}. While in tears, used my partners phone to call Wells Fargo, because my phone was still unable to make or receive phone calls. Wells Fargo representatives seemed incompetent with their knowledge of what protocols should or shouldn't happen-but I was sent to the 'Fraud department ' wherein I was assigned someone to take on my case. This individual just took a verbal statement- and I never heard from them again during the process of investigation. The fruadulent transactions happened in New York while XXXX XXXX XXXX  in Arizona. Further, I could confirm I did not authorize those charges-but the person conducting the 'investigation ' did not thoroughly look into this. At the end of the 10 day investigation, it was determined that my claim was not fruad and my funds were denied to be returned to me. As a side note : I had to get a new number and new sim card from XXXX. What was discovered was that the sim card in the system suddenly didn't match the one in my phone. The clerks were baffled by this but there was no way for them to explain it. I knew prior to seeing my funds disappear, that I was the victim of a cyber attack-the phone sim number being changed in the system confirmed it. This was a high tech crime and not handled correctly by representatives at Wells Fargo. Additionally, I did report this to the FBI cyber fraud/activity department. With this devastation of my bank account being wiped out-and the bank handling this so unfairly-I am seeking outside help. XXXX XXXX XXXX XXXX divorced- previous stay at home mom and that checking account was all I had.
Product: Credit card

I called XXXX XXXX XXXXXXXX XXXX XXXX regarding my XXXX XXXX XXXX XXXX account on XX/XX/XXXX at XXXX XXXX and spoke to a representative to ask why my account appears to be closed without notice after I looked at my credit report to see it gone. I also wanted to know why it shows {$900.00} ( my original credit limit ) available as the current available credit amount on their website in some places and {$0.00} available credit in others. The representative who was being addressed as Sir and addressing me as Sir ( I did not get his name ) told me the account was closed on XX/XX/XXXX ( XXXX  days ago ) after XXXX  months of no usage. I asked him why I wasn't notified that this account was being closed. His answer was that I was notified through a letter sent via XXXX without specifying the date the letter was sent. I told him I never received a letter and he let me know that it is not the company 's fault if the letter was lost in the mail ( I did not suggest this, I simply said I did not receive this notice ) and that it is my fault for not using the card for so long that the account was closed. I asked why I could not see that letter in the online system and was told his system showed the letter was sent via XXXX even though I was enrolled in Paperless, so it wasn't in the online system. I told him I was seeing multiple amounts on the website for current credit limit and that I was trying to make a purchase on the website. His only response to the available balances not matching on their website in different spots, multiple times, was that the account was closed by the bank and there's nothing they could do about that. He would not address the reason it still showed the {$900.00} still available in some places and repeated that it was not their fault if it was lost in the mail or some other reason I did not receive the notice, but they did send it out. I never received any notice that my account was being closed and I have had this account open with XXXX ( clothing store ) since XXXX. They filed XXXX  in XX/XX/XXXX, but the store in my city is still open. They did not close all of their stores nor go completely out of business. I told the representative that I know I have XXXX or XXXX  days to dispute this issue online or by writing a letter and he rudely provided me with the company 's mailing address. Things I found online suggested to file a complaint here for quicker and more accurate resolution. Since I did already contact the company via telephone call regarding this issue, I am filing this complaint. I expect my original account to be reopened so I can continue to make purchases there, wasn't notified that it was being closed, it affects my credit history length, and their systems don't apparently match since XXXX page shows {$900.00} credit available and another page shows {$0.00}. Their systems have had payment/balance issues in the past which is XXXX reason I started to just use my debit card in their stores, so this doesn't surprise me. If this isn't properly and fairly resolved with the original account re-opened, I will just stop giving the retailer my money.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation of Affirm on my credit report under my rights provided by Section 611 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be inaccurate, incomplete, or unverifiable : The XXXX XXXX breach compromised my credit report as a result I was denied employment and Housing.
Product: Mortgage

I was on wells Fargo mortgage assistance program for one year and at the begining of the program I was 3 months behind on payments By the end of the year I was 5 months behind and I made every payment and now they are foreclosing I have proof of making every payment during that year. But they still say I 'm 5 months behind. Is n't this a predatory loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/XXXX.they never wrote me or call me to ask me about this missing payment So onXX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on Experian. A {$30.00} purchase led to drop of over XXXX on my credit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my Experian report but they havent made any progress.
Product: Credit reporting or other personal consumer reports

This morning was incredibly frustratingI found accounts on my credit report that were just flat-out wrong, and I have no clue how they ended up there. Ive never had any issues checking my report before, but out of nowhere, these discrepancies appeared. I tried refreshing the browser, hoping it was a temporary glitch, but it wasnt. The wrong accounts didnt go away. Im asking for a careful review of the documents Ive sent so that I never have to go through this stressful experience again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither XXXX nor Equifax will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day XXXX put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I, XXXX XXXX, contacted CashApp, because someone hacked my cashapp and took {$600.00}, then took {$200.00}. The hacker removed my phone number and my email from my CashApp Account. 
Cashapp said they would start an investigation, but they never emailed me or anything. 
Later that day, I was able to log back in. 
XX/XX/year> XXXX CashApp was hacked again by the same person.
Product: Debt collection

While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.
Product: Debt collection

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Transunion Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from Transunion Credit Report. XXXX XXXX also has since been removed and blocked from my XXXX  Credit Report. I've sent Transunion Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect XXXX and Transunion to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # 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 account without my written instruction.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOW 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 I hereby request a reinvestigation which accurately abides by XXXX XXXX Code XXXX ( XXXX ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, XXXX, and Experian report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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

i have sent in a police report also i have disputed the accounts and ask for the company to send me information regarding the account also send me proof i signed up proof of my signture and my proof that this was me.. they sent me only a bill nothing else and my name and someone else name on the bill.as i stated to them this is not my account nor did i apply for the credit cards