23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AAA DEBT RECOVERY INC/AAS Debt Recovery Inc POB XXXX XXXX, PA XXXX I have an account that needs to be deleted it is not accurate it is listed as owed when it was discharged in Bankruptcy Chapter XXXX. Please remove this account from all 3 credit Bureaus it is in error. Please filing XXXX form.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the bankruptcy record listed on my credit report. Previously, I disputed this bankruptcy with you, and you notified me that you verified it with XXXX. However, upon reviewing my consumer file, XXXX does not have any bankruptcy report. Moreover, the court has confirmed that they do not submit any information to credit bureaus. 

Additionally, you have violated consumer law by failing to adhere to permissible purpose regulations. In order to obtain information from PACER, an account must be created in the consumer 's name. I did not authorize you to create such an account, thereby lacking the permissible purpose to access this information. This action constitutes a breach of my consumer rights and indicates inaccurate reporting. 

Therefore, I request that you delete this bankruptcy entry from my credit report immediately. This inaccurate information is causing undue harm to my credit profile and must be corrected without delay. 

Thank you for your prompt attention to this matter. Please send me an updated copy of my credit report reflecting the removal of this erroneous information. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I transferred {$180.00} of available funds from one of my checking accounts to the other. This transaction was completed. At some point after this, the bank reversed a claim of dispute and debited my first account for {$260.00}. Then on XX/XX/XXXX, the transfer made by me was reversed and the money removed from the 2nd account, and placed back into the first account because the claim reversal caused an overdraft. I contacted the bank, and was told the transfer I initiated never completed which is a lie. They waited until I made a cash deposit into 2nd account, then went in and moved the transfer back to the first account to cover their overdraft of reversing the dispute claim. I find this type of behavior to be wrong and has left me with no money.
Product: Vehicle loan or lease

Chrysler capitol violated XXXX : Billing error resolution. XX/XX/2024 Section XXXX : A reflection on a periodic statement of the creditor 's failure to credit a payment or other credit issued to the consumer 's account. For the amount of {$15000.00} ( XXXX ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 



12 CFR 1026.11 ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six month ( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Debt collection

Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.
Product: Mortgage

Since XX/XX/XXXX I have been discussing a payment plan with my Mortgage company. By phone I was informed of a plan that would be arranged for me from XXXX to XXXX. They told me to pay from XXXX to XXXX XXXX {$680.00}. Then in XX/XX/XXXX to pay {$1300.00}. Then in XX/XX/XXXX I would start to pay {$750.00} a month. I paid {$700.00} a moth instead of the {$68000.00}. This went on until XXXX XXXX. In XX/XX/XXXX is when they set me a letter about the forbearance that the amount of {$700.00} was to avoid " Foreclosure ''!!! I thought it was towards my mortgage. Now my mortgage is of course backed up for months!!!!. So now again I've asked for a Payment Plan in order to be able to pay my mortgage. They've had me in review since XX/XX/XXXX to see if I qualify for a payment plan. Now its XX/XX/XXXX and they inform me I do NOT qualify for a payment plan, and now I owe {$11000.00}. I have called every single month to get some answers to no avail. I have offered to pay my mortgage, I even sent a check in XX/XX/XXXX for mortgage payment and they returned it. Now they want me to pay the full amount of {$11000.00}. So my question is, why do you think I was asking for a payment plan? I'm totally confused and angry. I have documentation of Request for Mortgage Assistance & their response, I also have my statements.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Identity Theft and Request for Removal of Collections and Late Payments Dear Experian, I am writing to formally dispute certain items on my credit report that are the result of identity theft. Specifically, I have identified fraudulent accounts, collections, and late payments that were opened in my name without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to a full investigation of these fraudulent activities and request the immediate removal of these fraudulent entries from my credit report. 

I have included a copy of my identity theft report filed with the FTC to help facilitate your investigation. I kindly request that you remove all collections and late payments associated with this fraudulent activity from my credit report as they do not belong to me. These fraudulent accounts have caused significant damage to my credit, and I request that they be erased promptly as required by law. 

In accordance with the Fair Credit Reporting Act, I expect the following actions to be taken : 1. Immediate removal of any fraudulent accounts, collections, or late payments that were opened or reported without my authorization.

2. Investigation of any disputed entries under my name to ensure the accuracy of my credit report.

3. A written confirmation that these entries have been deleted or updated accordingly. 

Please inform me within 30 days of the status of this dispute, as stipulated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. 

My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. 

We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!
Product: Mortgage

On XX/XX/XXXX, my husband and I sent an insurance escrow payment in the amount of {$6100.00}, via Certified Mail to Rushmore Servicing. 

On XX/XX/XXXX, the check was cash by Rushmore Servicing. The monies were never posted to our account. 

On XX/XX/XXXX, we were advised to email a copy of the canceled check front and back showing the check had been cashed. 

Last week, we received a letter indicating the matter was still under investigation. 

On XX/XX/XXXX, we received a letter reflecting we owe over {$10000.00}. The statement does not reflect our {$6100.00} escrow payment. Due to this issue, our mortgage payments has increased from {$2300.00} to over {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending just few documents to experience so they can update my credit report. I have said numerous dispute forms and nothings been accomplished by experian.
Product: Debt collection

I had a dental procedure done from XXXX XXXX XXXX of XXXX Michigan in 2020. I asked the cost before service, paid the amount at time of service. Was then told a month later that they made a billing error and I was responsible for the added cost. This is a classic example of what is wrong with our medical industry. Imagine buying a car and then the dealership telling you a month later it was the wrong price and you owe more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to create a XXXX account for the past several months, but I have been unable to create it due to lacking verification on Equifix : I sent in the require documentation to the address listed, which I was latter told was incorrect, and had to do send it once again to a different address, and I have been calling them frequently to see if they received the information, and now their telling me to send it in once again. I was later told I needed to make an account, but I am unable to do that as I need to once again send the information in.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 states section 604 A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as late for any purpose. 

Wells Fargo Card Services
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date XX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity. 

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent.

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.
Product: Credit card

I feel like my credit card is double-billing me. I pay off a balance several times a week and since they are so slow to post transactions, or post them in posted and temporary transactions at the same time, it is confusing. Then I 'll sign on later that week and see that there are new charges that I think I 've already paid for! I 'd like you to look into their accounting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX   XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} Chase credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with Chase. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called Chase to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX XXXX XXXX in XXXX XXXX to XXXX a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.
Product: Debt collection

This debt is not owed. I canceled the policy and purchased another policy and this company is aware of this they attempted to call and harass me after I told them this using abusive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. This company Equifax, XXXX and XXXX XXXX is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if Equifax, XXXX XXXX and XXXX wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. Equifax, XXXX and XXXX broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, XXXX frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
XXXX made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need Equifax, XXXX and XXXX to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to equifax, XXXX and XXXX. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.
Product: Credit reporting or other personal consumer reports

The Company stated that there would only be a soft pull on My File, when I noticed it was a hard pull? I disputed and requested them to remove and they refused to remove. I am working to buy a House and get XXXX XXXX XXXX XXXX XXXX this is hurting both Home Purchase and XXXX XXXX
Product: Credit card or prepaid card

I had a XXXXXXXX XXXX XXXX administered by Comenity Bank. I made a final payment of {$46.00} in mid-XXXX XXXX and asked that the account be closed. 
**On XXXX XXXX XXXX, I received a letter from Comenity 's Customer Care Team . The letter states three specific points : ( 1 ) " Your account is now paid in full. Your talbots credit card balance has been {$0.00} since we received your payment of {$46.00} on XX/XX/XXXX. '' ( 2 ) " We've closed your account, as you requested. '' ( 3 ) We've shared this information with the three major credit bureau reporting agencies. '' Taking the letter at its word that the account had a XXXX balance and had been closed, I assumed the account had indeed been closed and never used the card again, making no further charges or payments. Neither XXXX nor XXXX ever reported it as an open account since XX/XX/XXXX. 

**On Friday, XXXX XXXX XXXX, I received a notice by email that my account was " seriously overdue. '' The notice included a current balance of {$160.00}, apparently in accumulated interest and fees on an account with a XXXX balance as of XX/XX/XXXX and no further use since that time. 

**On Wednesday, XXXX XXXX XXXX, I spoke by telephone with " XXXX XXXX a Comenity Customer Retention Specialist. She informed me that I had no option but to pay the accumulated balance. 
I want to pay what I legitimately owe, but I do not believe I should be forced to pay interest and late fees on an account that was reported to me to have a XXXX balance, that was closed more than eight months ago, and that has not been used since. Please look at this matter and give me some assistance. 

Respectfully, XXXX XXXX