23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to r equest the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Debt collection

This collection agency named Ad Astra Recovery put an collection on my credit report back in XX/XX/XXXX. I have never done business with this company and they are asking me for an amount of {$330.00}. I told them to delete this collection from all 3 credit bureaus but they chose to just send me an inaccurate contract. From XXXX  XXXX-XXXX  XXXX  Ad Astra Recovery was reporting to all the 3 credit bureaus of an amount of {$330.00}, then in XX/XX/XXXX this amount when up to {$330.00} owed on all 3 credit bureaus and also reporting as an open account on XXXX and XXXX  and closed on XXXX. which proves this collection accounts are open when they should be closed and Ad Astra Recovery is adding interest to an closed and inaccurate account. The account number on the contract and credit report are different : XXXX on my credit report vs XXXX on this contract Ad Astra Recovery sent me. Also on the open end loan history They do not even have my full address which is being reported on my credit report with XXXX report which I had to call to dispute for an second address reporting on that report. XXXX told me I couldnt delete a couple old addresses on my credit report because there are accounts connecting to that address. This inaccurate account is one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the accounts from my credit report to prevent further damage. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX   XXXX XXXX  XXXX The date open and date of last payment made does not match the credit reports of XXXX and XXXX . This is non-factual reporting. Please remove. 
XXXX XXXX XXXX XXXX This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX. This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX this account shows 120 day lates multiple consecutive months. This is non-factual reporting also this account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
USBK COURT XXXX FLORIDA XXXX I called the bankruptcy court and they do not have any record of a bankruptcy under my name nor do they provide information to credit bureaus. Please remove account INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF EDXXXX shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?
Product: Credit card or prepaid card

Chase Bank did not send me a statement. Chase Bank did not contact me until my account was 30 days past due. Since the day I received my card ( about 6 months ago ) from Chase Bank, I have not received a single statement. I'm never late on payments and never have a carryover balance on any of my credit cards. My credit score was 800+, now thanks to this unethical company it has dropped about  75 points for who knows how long. When I looked in to it, I learned my card was 0 % interest and the only way they made money off of the card was through late fees. I don't think it was a coincidence that I never received statements. I'm done with Chase and hope they're not doing this to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

*This is not a duplicate complaint. ** This is not a request for an investigation or reinvestigation. ***This is not a matter that is in need of verification or validation. I am the original creditor and do not verify or validate this. Experian is illegally and repeated posting information om my credit report that Congress deems to be illegal pursuant to 15 USC 1666b number a. It reads and stands as law as follows : A creditor may not treat a payment as late on a credit card account under and open ended consumer credit plan for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Therefore, this is illegally posted on my report and needs to be removed immediately. 

XXXX XX/XX/2021 acct XXXX 30 days late XXXX XX/XX/2021 acct XXXX 60 days late Please remove immediately. Thank you
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX but for some reason its reporting in ChexSystems. My identity was stolen, and I need help correcting this as soon as possible. This is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint ( XXXX ) I submitted proof these loans are closed and discharged 100 % and instead of actually fixing my report as they are required they said they will look into it and closed the complaint. No. That is UNACCEPTABLE. These items are incorrect on my report and need fixed NOW.
Product: Credit reporting or other personal consumer reports

Hello, please see my initial complaint against Bridgecrest in the below quotation marks. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because Bridgecrest has still not updated XX/XX/XXXX credit reporting with the credit bureaus ( they sent me a copy of the letter they submitted ), however XXXX is still not updated and now XXXX being erroneously reported delinquent for XX/XX/XXXX as well. Their error in my credit reporting for the past two months has cost my XXXX XXXX to take a major hit. Bridgecrest need to call the credit bureaus in addition to submitting a new letter to include XXXX reporting as well. 

I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via Bridgecrest. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. Bridgecrest sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called Bridgecrest today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXXXXXX, a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, XXXX XXXX  XXXX, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.
Product: Checking or savings account

I am writing as a former Wells Fargo account holder regarding the recent settlement in which Wells Fargo was ordered to compensate account holders due to their admission of wrongdoing in business practices. As part of this settlement, Wells Fargo was supposed to notify and compensate affected account holders, including myself.

However, I have never received any communication or compensation regarding this matter. I am seeking your assistance in obtaining the compensation I am entitled to under the terms of the settlement.

Thank you for your prompt attention to this matter.
Product: Student loan

I am a student loan holder in the state of Tennessee. I have always been current with my loans. 
The service loan provider MOHELA are not able to process payments on-time. Rather they decline on-time payments and only accept late payments. I have tried to make payments and they simply decline them and push me to delinquent. I believe this is a scam they are using to tell the media all student loan borrowers are delinquent. I have the money, I use the same information with both attempts to pay but only the past-due one goes through. 

They are purposefully mismanaging on-time payments so they can make borrower 's appear delinquent. Their payment denial says my financial institution does not exist. This is contrary to them taking the payment on the second attempt. They notify of the issue after the loan is due and then only accept the late payment. I believe this is on purpose and meant to ruin the credit of borrowers like me. I feel powerless because I can not even get in contact with them, they just say they are super busy. 

This service provider took on loans they could not handle. I have never in my life not been able to pay a loan I owe. These companies are refusing or unable to process payments. This is causing me to appear delinquent. I am a XXXX XXXX, I can afford my payment and I make them one time. These providers are scamming honest people trying to repay their loans. 

There is also NO way to contact the providers. An email tasks 3-6 months for a response and they are no longer taking them. The call center gives 45-1 hour wait times but never answers. They also will not call back. 

I am not delinquent in the eyes of the federal government, but it is the service providers. 

Please contact these agencies, as they are not honest about their ability to take on servicing loans. Loans should only be serviced by financial institutions.
Product: Debt collection

On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX. 

I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX as a reference to my credit score, recently XX/XX/XXXX I happened to check my report and noticed my credit score went from XXXX  down to XXXX!, According to Trans-Union has kicked off this XXXX XXXX thing that XXXX XXXX has jumped on and used against me. Back in XXXX I briefly had a account with XXXX XXXX   while living in XXXX WI, I had signed up for a budget ( which was a huge mistake NEVER AGAIN will I fall for that offer ( Scam ). ), I then had to move and had the account closed to my memory XXXX XXXX at the time claimed my closing bill was {$100.00} - and since I was entering a XXXX XXXX XXXX XXXX I figured I would be paid enough to pay this bill and be done with it, however that didnt work out as I had hoped, so in a period of 2 months XXXX XXXX  decided to act out and run to a collection agency in a panic attack and exaggerate I duped them out of money etc, and the next thing I know is Im slammed with {$810.00} - XXXX No! There is no way I am paying these thieves that amount of money, {$400.00} yes, {$810.00} NO! and that is final. They have claimed which is a flat out lie that they have tired to contact me before collections, COMPLETE LIE, they had my number ( old one before it changed ) they knew how to reach me so the contact story was a farse, something I'm seeing on a regular basis out here in Wisconsin, a huge DRAMA state to say the least. So now since they are throwing their temper tantrum along with Trans-Union back in the picture playing their games again, they are using this XXXX nonsense that kicked off in XX/XX/XXXX. Also Trans-Union still has me owing XXXX XXXX XXXX to XXXX XXXX  XXXX which this was paid off LAST XXXX YEAR. Trans-Union obviously wants to perform their theatrical tryouts of XXXX  in court, Tell them THEY ARE ON! I will be contacting a Attorney for Slander and Lies as well as fraudulent attacks personally against me, I'm fed up with Trans-Union, this type of XXXX isn't on the other creditor bureaus only Trans-Union, and I know their a foreign operation which I cant understand why the Government allows to operate in the USA. Talk about uneducated XXXX! I have seen cockroaches navigate around better and they dont even have a brain!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor " FLEXIBLE FINANCE '' has violated my rights. Under 15 Usc 1681 section 602 states i have a right to privacy.

15 usc 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Checking or savings account

my accounts that are on my XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of fraud I am a vulnerable adult with XXXX
Product: Consumer Loan

I have a XXXX credit card ( home improvement store ). I pay regularly each month. Currently, they ask for a minimum {$25.00} payment due on the XXXX of each month. I made a {$30.00} payment on the XXXX of the month but they are not counting it as a payment for this month as toward the minimum, instead demanding that I make a payment on or before the XXXX. I feel that I have satisfied the requirement for this month and their doing this is a deceptive business practice.
Product: Credit reporting or other personal consumer reports

This company is reporting to my credit report as a profit and loss of XXXX dollars. I have never purchased or authorized anything from this company. My INFORMATION was stolen and this account was opened without my consent. This Company claims the information used was verified, but never verified with Me over the phone or in person that it was actually I using my information. The company does not have any method of verification besides matching addresses and emails to information that has been leaked due to my phone being lost. How can they report a profit and loss of XXXX $ without ever actually borrowing out {$2500.00}. My credit report does not reflect the entirety of this situation and I would like for this account to be removed at once.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

In XX/XX/2022 a fraudulent company charged {$6500.00} dollars in my Chase XXXX in XXXX separate transactions. The company nodepro.Io does not exist, I disputed the charges and Chase initially reversed them in XXXX. In XXXX Chase recharged my card for XXXX indicating the hacker provided receipts which were falsified and Were purchases I had never heard of for a downloadable software product. I re-opened the claim XXXX times and each tune Chase upheld the XXXX but the vendor hacker did not dispute the {$290.00} charge. They provided my IP address and falsified receipts. Chase took the lies of a criminal over their loyal customer. The receipts were lies with fake information. Chase has lied to me, hung up on me, transferred me around and am out {$6300.00}. I am so frustrated and they have believed criminals over trusted customers.
Product: Credit card

I was notified of a hard inquiry on my credit from Capital One on XX/XX/2023. I did not apply for anything with them. I immediately called them and informed them of this fraudulent account. They confirmed that an account exists with my name and social security number. They claimed that the date of birth on file was different, so they could not close the account. I was able to find the phone number associated with the account, and it took XXXX minutes of investigation to figure out that it is the phone number of a deceased woman that is no longer in service. It is very concerning that an account like this would pass XXXX in the first place. It is even more concerning that after being notified of this fraudulent account, they won't close it or at the very least flag the account. After, I called the Credit Bureau to report the identity theft, and they told me it was on the bank to cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC XXXX On XXXX XXXX. I contacted XXXX XXXX after noticing that LVNV FUNDING, LLC ( C/O RESURGENT CAPITAL SERVICE ) listed as derogatory mark on my XXXX and XXXX credit report .I disputed the alleged debt with XXXX XXXX and the response was ( the account information disputed by consumer, meets FCRA requirements ) nothing else. I received no evidence to validate that debt. LVNV FUNDING, LLC FAILED to produce any evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. 

LVNV FUNDING, LLC didn't provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. 3.Proof that LVNV FUNDING, LLC owns this debt or the contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this or any debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT. And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints -Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind any and all use of my information and my signature
Product: Mortgage

Refinanced home with 5/3rd Bank in XXXX of XXXX. The statement on XXXX showed a charge posted on XXXX of {$1300.00}, listed as " SHORT PAYOFF ''. The explanations I have received over the phone have been unclear and seem to indicate a mistake being made in the original closing. They have said that we were credited twice for something. I have requested in that an explanation be sent to me in writing with all the math. I have not received that information and am concerned that INTEREST is accumulating on that fee, charge, or whatever they want to call it. I have spoken with the person at XXXX on : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX. 
I find it hard to believe that they can can not explain this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DSNB MACYS Account Number : XXXX This is not mine.