23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Credit Reporting Issues with XXXX, XXXX, and Experian To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports as provided by XXXX, XXXX, and Experian. These inaccuracies are severely impacting my credit score and financial standing, and I am seeking immediate corrective action in accordance with my rights under both federal and Ohio law.

Issues with Reporting 1. Failure to Make Contact : Neither the credit reporting agencies nor the collection agency associated with the disputed accounts have made any effort to contact me directly regarding these matters. This violates the Fair Credit Reporting Act ( FCRA ), which requires reasonable steps to ensure accurate and complete reporting, as well as communication with consumers.

2. Multiple Names for the Collection Agency : My official credit report lists the collection agency under multiple names, causing confusion and further inaccuracies. Under the Ohio Consumer Sales Practices Act ( OCSPA ) and the FCRA, I am entitled to accurate and transparent information. The lack of clarity violates my rights to a fair and honest credit report.

3. Lack of Response to Disputes : Despite repeated efforts to contact XXXX, XXXX, and Experian to address these inaccuracies, no changes have been made to my report. This failure to investigate and correct errors within the required 30-day timeframe is a direct violation of Section 611 of the FCRA.

Impact of False Reporting The ongoing presence of false and inaccurate statements on my credit report has caused significant damage to my credit score, limiting my ability to secure financial opportunities. As a citizen of Ohio and under federal law, I am guaranteed the right to an accurate, fair, and honest credit report. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX, XXXX, and Experian to : XXXX. XXXX a thorough investigation of the inaccuracies in my credit reports. 
XXXX. Correct or remove the false and inaccurate information immediately. 
XXXX. Provide written confirmation of the completed investigation and any changes made to my credit reports. 

I have attached a copy of my credit report highlighting the inaccuracies for your reference, as well as documentation of my attempts to resolve this issue directly with the credit reporting agencies. 

If you have any questions or require additional information, I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Let me know if youd like to make any adjustments or add further details.
Product: Credit reporting or other personal consumer reports

After reviewing my report, I noticed several accounts that I did not authorize and do not belong to me.
Product: Mortgage

Our homeowner 's insurance policy had not been paid by our mortgage lender, Loancare. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and was put on hold for a total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 10 business days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from Loancare. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. Loancare also stated we may get billed for them having to do an overnight payment. ( Which never even happened ). I  even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is UNACCEPTABLE. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. 
Loancare , LLC ( which also goes by XXXX XXXX XXXX XXXX ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit file. For the past 6 months I have been submitting dispute letters with no responds from them. Under the law they have 30 days to respond. Experian is reporting incorrect spellings of my name and incorrect social that is not mine. I have no idea where this came from, but social # XXXX Needs to be deleted off my credit file. I am attaching the proof you need to show what Experian is reporting as well as a copy of my social and ID.
Product: Checking or savings account

On XX/XX/XXXX {$670.00} was withdrawn out of my checking account without my permission, knowledge or authorization from a Charge Off that occurred from another member account in XXXX that I was joint owner and was Never Notified by Mail, E-Mail, Text, Phone or Verbally until XX/XX/XXXX. 
I called NFCU to freeze my debit card and reached this Representative who asked if I wanted to make a payment on a Charge Off. I informed him that I was not aware of a Charge Off and I was out of town ( XXXX  ) and when I returned to Arizona I will call in with the documents to resolve the offset by filing an appeal or dispute after he informed me. 
A few minutes, I received a text notification from NFCU that all my funds were withdrawn.

I called immediately to discuss the transaction fo

r over 3 hours by several different agents between the Charge Off and Fraud Department passing the buck and No Resolutions. I requested that the matter be escalated to a Supervisor and was informed that one will reach out within 24 - 78 hours. 
On XX/XX/XXXX a Supervisor name XXXX called and No Resolutions was reached and was told to call the Fraud Department there was nothing that she could do or provide a Provisional Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer. 

XXXX claimed that they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ). 

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to provide me with the name and address of the original creditor.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Wells Fargo for taking adverse action with forethought and malice. 

I sent Wells Fargo a billing error notice ( A copy attached ) via Postal mail which was delivered on XX/XX/XXXX, through Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo reported to XXXX ( Copies attached ) on my consumer report as the Account is 150 days past due. Wells Fargo has not mailed or delivered me a written acknowledgment, nor complied with the appropriate resolution said in 1666 Title 15 or 12 CFR 1026.13.

According to 15 USC 1666a ( a ) REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

Furthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Wells Fargo is in clear violation of 15 USC 1666 et seq and has now forfeited any rights to collect the amount indicated in the billing error notice. 

Thank you.
Product: Checking or savings account

I was charged {$25.00} on XXXX XXXX  XXXX  by XXXX, a website I had never even heard of and when I want to chase to file a claim they gave me temporary credits for my money back but after they had further investigated my transaction they resolved that it was authorized by me. I have never bought anything from this website nor have I heard of it before I was charged and now chase wants me to pay for something I didnt buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.
Product: Money transfer, virtual currency, or money service

I have been trying to connect my bank to " XXXX XXXX XXXX' in order to sign up for a rent payment plan, but every time I enter my information a notice comes up that says PNC has made a change that prevents you from connecting your account. I've tried contacting PNC but they don't seem to understand what I'm trying to do with the app.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. The consumer reporting agencies have to report all information with complete accuracy. I ask you to investigate and provide verified proof with records showing that I had a late payment. If this information can't be verified, I would like to make sure these payments are updated to be paid on time as soon as possible. Thank you for understanding and taking the time to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I filed for chapter XXXX Bankruptcy. I listed all of my bills. The case was granted in XX/XX/2015. XXXX credit agency keeps the wrong data in my file.Experian is showing an account that was discharged in Bankruptcy. I have tried repeatedly to get the errors corrected but Im ignored by the agency and client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

XXXX ad Caliber confirmed on the phone that it's " up to the lender '' to report what they want.
Product: Checking or savings account

My current employer, a XXXX XXXX company, has our travel/expense cards through US Bank XXXX I have one card through the bank. Because of this and my experience, I decided to my personal banking over to US Bank. I opened two accounts to start, with small deposit amounts of {$25.00}. Since that time, each and every day my account access becomes unlocked and then locked. I am being told it is a security measure glitch. I have been aplogoized to many times. In the two weeks since I did this, I have been unable to access my funds. Now the funds are small ( Thank God I didn't move my direct deposit over ), it is more about the principle of things. I have spent hours on the phone multiple times to straighten this out with the bank to no avail. 

At this point I simply want to my money back via XXXX today, and some form of good faith compensation. I am tired of this process and I am very frustrated. Can you help? No one else seems to be able to do so.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX of XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 602 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 or 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

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 had medical issues however I was not billed correctly I have been on Medicaid for over 3 years and now being constantly harassed over a debt that should be billed to my Medicaid. # XXXX under XXXX county department of human services. I was sent a letter in XXXX XXXX stating that this would be removed from my credit however her now in XXXX I 'm still being harassed by same company and now they are causing problems with where I work. Received a garnishment paper yesterday for XXXX I will state again I 'm on Medicaid and have been. There is no date showing original bill owed and I can prove I 'm on Medicaid will attach cards to this complaint. As a result of being harassed at work it can cost me my job nor can I pay for such a rediculous amount I 'm a collision tech who makes only enough to pay for my tools at work. I will be taking legal action for harassment on s debt I do n't owe
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and I have fraudulent account, XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year> and fraudulent hard inquiries XXXX XXXX XX/XX/year> | XXXX XXXX XX/XX/year>.
Product: Credit card or prepaid card

I have disputed my reports with Bank of America and they are reporting credit card information that does not belong to me. I have never used and Bank of America card and I do not own one. This card was opened in my name due to fraud/identity theft ... 

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TO DATE Bank of America HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At Experian, the payment history still shows no data for XXXX & XXXX XXXX.Therefore, we have requested that XXXX, XXXX and Experian make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.