23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ONLINE INFORMATION SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ONLINE INFORMATION SERVICES failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) ONLINE INFORMATION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ONLINE INFORMATION SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ONLINE INFORMATION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ONLINE INFORMATION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided. 
They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$470.00}, a collection account at XXXX XXXX XXXX XXXX that appears related to XXXX  XXXX bank n.a. Account number XXXX ) on XX/XX/XXXX under account number XXXX with a balance of {$1100.00}, an auto loan with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$19000.00}, a personal loan with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX with a balance of {$990.00}, and a loan with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$590.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my XXXX consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$830.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$440.00}
Product: Checking or savings account

Claimant identified the following issues : Failed to respond to fraud, Customer service lied to me, Locked my account and opened a new one without My authorization On XX/XX/2020 I found out that {$23000.00} was gone from my buisness account and I called Wells Fargo bank to report the claim and they open a fraud claim for 2 days and they lock my account and denied my claim they said that I authorize this on line transaction To company name : XXXX XXXX XXXX that I never heard of and I never made any transfer to this company and they told me to call the interactive to ask for refound and I did and the company told me that I dont have any account with them and they told me it was a compromise account from your bank and only way to get my money bak is trough Wells Fargo bank to reclaim the money and Wells Fargo refuse to reclaim the money and I called so many times to reopen fraud claim and they refuse and finally when I told them I made a police report and FBI report they reopen my claim for 7 day and they told me that they will refund my money bak and I kept to ask for the claim status and they keep telling that still under investigation and they denied again for same reason.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for Verification of Debt Acct Number XXXX Dear Credit Control I am writing to formally request verification of the debt referenced in your recent communication regarding account number [ Your Account Number ]. In accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request the following information : XXXX. **Original Contract** : A copy of the original contract or agreement, including my signature, that establishes my obligation to pay this debt. 
XXXX. **Payment History** : A detailed payment history for the account in question, including dates and amounts of all payments made. 
XXXX. **Proof of Ownership** : Documentation that verifies your ownership of the debt. 
XXXX. **Verification of Original Debit** : Any documentation that verifies the original amount owed and any subsequent charges or fees. 

Please provide this information within XXXX  days of receiving this letter. Until this verification this verification, I request that you cease all collection activities related to this debt. 
In addition, I hereby request that you cease all collection activities related to this debt until the requested information is provided. If you choose to continue collection efforts without providing the requested documentation, I will have no choice but to consider legal action against your company for violation of my rights under the Fair Debt Collection Practices Act. 

This letter serves as a formal notice of my intent to pursue legal remedies if you fail to comply with this request. Please consider this a cease-and-desist request for all collection activities until the requested verification is received. 
I expect your response within XXXX  days of receiving this letter. Thank you for your prompt attention to this matter. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

I am a XXXX who signed up for a XXXX for XXXX credit hours. I paid cash ( {$100.00} ) for the tuition and thought nothing of it. 
A few days ago Navient, which serviced a loan I got in 2010 ( {$20000.00} ), emailed me and said my loan was deferred because I am now a student at the College of XXXX. I am not a student but an XXXX taking a once-weekly course at the local middle school! I never asked Navient for any assistance in paying an {$100.00} tuition! 
I am only two years from paying off my original Navient loan. I called them to cancel the deferment so my payment would continue. When I logged onto my account later I realized they had extended my loan for another year and added a {$1000.00} increase to the balance! There is no reason for Navient to change and extend my loan when I never asked or used their assistance on a simple {$100.00} tuition! 
I took all of my savings and paid the remainder of the loan 3 years early because I am afraid they are overcharging me severely. I feel that my balance payment has been inflated and would like a refund for the overage I was charged in this debacle.
Product: Debt collection

I was contacted on XX/XX/XXXX concerning a medical bill by Capitol Accounts. I sent the company a certified letter on XX/XX/XXXX to the address they provided via email to dispute this bill. I also responded via email on XX/XX/XXXX stating I would be disputing pending verification and that I would follow up with a certified letter. I have not received a confirmation that they have received my letter. Now they have put it on my credit report without providing me with any proof of this bill and my liability. This is illegal since I disputed within the 30 day period
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.
Product: Debt collection

I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received 10 robo calls from XXXX XXXX XXXX in the last 4 days. I do not have any debt to this company and never have. I have asked them to stop the calls. The call frequency has increased since I spoke with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

I applied for a refinance loan with bank of America. I was paying all closing cost at closing I was just refinancing my property for a lower rate which would have in effect gave me a payment of {$300.00} less each month. The first time I applied that application for some reason was cancelled out without any notice to me after supplying a lot of financial documents. A new loan application was generated by bank of America and I had to provide numerous financial documents again that were lost or misplaced by Bank of America. After numerous inquiries by Bank of America on my credit report they denied the loan for excessive obligations in relation to income. Bank of America was provided corporate returns and personal returns. The corporate returns reflected the business paying ALL my financial obligations which are not many. i.e. Mortgage, all utilities, all credit expense accounts etc. The business returns even showed a profit after paying those items and has shown a profit for the past ( 9 ) years. I also take a {$12.00}, XXXX draw each year from my company which is 100 % unobligated money because all expenses are paid by my company. So not only are all my bills paid by the company I also get a XXXX draw every year. The previous mortgage I was trying to refinance is {$300.00} more than the refinancing I was attempting to obtain and was paid for 9 1/2 years by my company never late. Bank of America is discriminating against me as I excercised my rights under the Equal Credit Opportunity Act. One more thing, Bank of America had an appraisal of the property completed and it showed {$85000.00} in equity in the home. As we both know banks appraise the property very conservativly. Obviously for the past 9 1/2 years my company has paid all my bills including the current mortgage ( never late ) and made a profit every year after paying all expenses related to my debt and the business expenses ... ... not to mention the {$12000.00} I get for my pocket every year. Bank of America clearly discriminating against me and wrongfully denied the loan. I would like to mention I have been a bank customer of Bank of America with my business and personal accounts for over 10 years.
Product: Credit reporting or other personal consumer reports

As of XXXX, upon review of my most recent review of my credit profile from Experian XXXX and XXXX, I have found a few inaccuracies listed. On Page XXXX of my attached credit report listed concerning a XXXX XXXX XXXX account, Experian, XXXX and XXXX have conflicting LAST REPORTED dates. DATE LAST ACTIVE is also inconsistent across Experian, XXXX and XXXX. The PAYMENT HISTORY for XXXX is also inconsistent across the said three credit reporting agencies for the same  XXXX  XXXX XXXX account. 15 U.S. Code 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is because 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The results of these inaccuracies have caused my self and as a result, my family, discrimination, pain, duress among other forms of mental discomfort. Consequently, due to the grave inconsistencies Experian, XXXX and XXXX should immediately remove this XXXX XXXX  XXXX account from my credit profile to reduce the personal harm they have caused. XXXX XXXX - Without Recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of Experian, XXXX, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over XXXX XXXX XXXX XXXX 

I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and Experian, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of XXXX, XXXX, and Experian to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I requested to Wells Fargo Bank to pay a ( balance transfer ) money to be paid the amount of {$520.00} to XXXX credit card account number # XXXX which was my balance with XXXX, see attached statement. 
at the end of XX/XX/XXXX I have received several phone calls from XXXX collection department stating that I was late with my monthly payment well I told XXXX collection agent that Wells Fargo paid already the full amount of {$520.00} well after a few minutes of researching for the payment XXXX 's agent stated that no payment was made from Wells Fargo, the next following day I have contacted Wells Fargo Bank and I asked what happened with the balance transfer? Wells Fargo agent stated that the money was paid to XXXX XXXX XXXX instead of XXXX and it was a mistake done the the person who took my information at the beginning of the balance transfer, by the way XXXX is merchant with XXXX XXXX and no with XXXX XXXX XXXX. this is a big mistake from Wells Fargo Bank! 
Because I declaimed to pay the money back to Wells Fargo Bank, Wells Fargo reported to the the 3 credit Bureaus and damaged my credit. This is a abuse because I do not owned any money to wells Fargo, money never was paid to XXXX and wells fargo is responsible for the own mistakes. I want to clear up my records and Wells Fargo Bank should pay all my late payments fees that I paid to XXXX and my credit should be corrected immediately and my balance with Wells Fargo Bank should be XXXX and should be pay all monetary damages caused by wells Fargo Bank.
Product: Mortgage

In XXXX I attempted to setup Auto Pay, it has yet to start working. In XXXX we had a family emergency and my daughter spent a couple days in the hospital, I was not monitoring my mortgage for our lake home and auto pay did not process we received a late notice by mail, this was the first contact I had about a late payment for the month of XXXX. I called and confirmed and made two payments as a sign of good faith to attempt to correct this issue. Amerihome submitted a 30 day late notice to mine and my wife 's credit history. I have attempted to correct the issue with both auto pay and the hit to my credit. I feel this was not an error on my part has I have a letter stating my account was setup with auto pay, to this day when I login to my amerihome account it states auto pay is enabled. This is the only negative mark on my credit and I feel this is in error and I should not have to suffer with a delinquency mark for the next seven years because auto pay did not work as intended.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the unresolved issues on my credit report. Despite my many attempts to rectify these matters, the inaccuracies persist. As a responsible consumer, it is imperative that my credit report accurately reflects my financial history. The continued presence of these errors is unacceptable and undermines my trust in your organizations ability to maintain accurate records. 

I am urgently requesting a thorough investigation into the late open account and the public record on my credit report. I expect immediate action to correct these errors and remove the inaccurate entries. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the repeated failures to resolve these issues. With this, I am asking for your assistance to correct the late open accounts and remove the public XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Debt collection

Balance : {$1200.00} On XX/XX/2019, I notified Enhanced Recovery company in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced recovery Company refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery Company under the Dodd-Frank Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 reporting, credit repair services, or other personal consumer reports

a lot of information is showing invalid on my credit report with Experian. I am interested in disputing all incorrect information to help my file become correct.