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

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OK. XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made Experian shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co Experian also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I opened a {$2000.00} credit line with XXXX XXXX. By XX/XX/XXXX, it was charged off at {$2300.00}, last updated XX/XX/XXXX, but it only appears on XXXX bureaus report ( XX/XX/XXXX ). The other XXXX bureaus omit it. I received no payment notices or validation of the debtever. In XX/XX/XXXX, I requested Mobiloans explain the {$2300.00} and provide proof ; they sent no response. This has hurt my credit since XXXX, contributing to denials from all major credit cards by XXXX and forcing 158 % interest loans in XXXX credits impossible. Disputed XX/XX/XXXX, unresolvedsee reports.
Product: Student loan

According to my account history, two of my private loans were sold. There are two dates which the loan sales took place ( XX/XX/2018 and XX/XX/2018 ). I was not notified of these loan sales. 

Navient has also altered the way in which I can view my payment history with them where it reflects a loan sale, and not my payment history. This makes it difficult to determine what my actual loan balance with them is. It also makes it appear that my loan balances have not changed ( despite making on-time payments ) since XXXX of this year. 

When I contacted Navient about this, they told me that I could just ignore it, that the loans had not been sold and that it was " just an internal thing that they did ''. When I asked if my account history would be updated to show that the loan had not been sold and for confirmation that I have been making payments to the correct company, they again told me not to worry about it, that everything was fine, that it was " just an internal thing '' but could not elaborate further. But they could not confirm that things would be updated, or go through my actual payment history with me to confirm that the current loan balance is actually correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 111-290 - DATA BREACH NOTIFICATION ACT
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that the report credit has inquiries that I did not authorize.
Product: Checking or savings account

I am XXXX XXXX, XXXX serving at XXXX XXXX, NC contacting you regarding a huge issue regarding my Navy Federal account. XX/XX/year> I was a victim of Account Fraud. I have exhausted all my options to prove my innocence since XXXX last year. I am not the only victim of this occurrence there are 5 others in the same city. I have tried going the very formal way of trying to go through the fraud department but continuously get the same answer of " You are at fault ''. Even my detective is very confused about how I am at fault when since Day 1 I have done all I can to prove my innocence. I have tried contacting the security department and was answered with a complete attitude from an individual by the name of XXXX. Two months ago I contacted Navy Federal again and was told in the notes regarding my case " I am in cooperation with them and I own the XXXX XXXX that the money was sent to '' which is also false. My car loan is serviced by Navy Federal and I have been a good customer this has caused me huge financial stress. I am going through a divorce on top of all of this. I am even more stressed considering this amount is now in collections with no resolution other than putting me at fault. I was also told I gave all my information out which is also false. All the attachments are supporting documents of my issue. I hope you have a great day and I am hoping to hear from you. You can call me at XXXX. Thank You!
Product: Mortgage

Approximately 3 weeks ago I received a debt collection call from Bank of America stating I was 3 months behind on my mortgage. I explained this was not possible because I am on auto draft on a pay plan XXXX which I pay double payments. They said there system upgrade malfunctioned in XXXX, {$4400.00} plus dollars of my funds were sitting in a holding account because the system did not no what to do with my funds. They stated they would move the funds back but that the system was not fixed so I would need to speak with the resolution team to fix future payments. Resolution states future payments will continue, go in the holding account and they will manually move them until the issue is fixed. My funds are still not back in my mortgage account, XXXX payments were not even withdrawn from my checking and I have reached out 8 times to no avail. I am receiving debt collection calls, which I have asked to stop but am being told because the money is not fixed yet they call before reading the notes. I need help. I need the collection calls to stop, my funds in my mortgage account and XXXX and future funds deducted as they should be and posted. Managers have promised to call but don't, my loan officer trued to escalate as well. I am concerned for my good credit if this is not resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized I was paying interests on cash advance on my credit card I have never had a cash advance.I always just open my bills and pay them.on XX/XX/XXXX, I called Capital One and talked with them about this, the cash advances happened in XXXX, they continue to charge interest on cash advances I know I have not ever had. I talked to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax Data Breach. I am a victim of identity theft pursuant to 18 US Code 1028A. 
accounts : XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Credit card

I was charged {$600.00} interest on {$3000.00} balance and they are telling me I have a 30 % apr. that interest charge is significantly higher than 30 %
Product: Debt collection

XXXX XXXX XXXX charged something against my credit report. When I found it, I call them right away. After they researched it they discovered there mistake. They call me and told me that they would take it off my credit report and also notified the collector. They did remove it from my credit report. The collector continues to call me. They tell me I am lying and that I owe this money. This is very upsetting and causes my XXXX XXXX to raise. 
They will not listen to reason. I think this is harassment. The name of the company is Caine @ Weiner XXXX. Can you help me to get this resolved?
Product: Debt collection

PMAB LLC has acted with malice intent to destroy my credit without making any attempt to contact me in regards to the two accounts they are reporting to all three bureaus for the amount of {$290.00} and {$330.00}. PMAB LLC has violated the FCRA and the FDCPA. I have contacted PMAB LLC by mail on XX/XX/XXXX and a certified letter on XX/XX/XXXX in which PMAB LLC signed for the letter on XX/XX/XXXX @ XXXX. PMAB LLC did not notify the credit bureaus that I was disputing these accounts and they have not contacted me back in regards to either letter that was sent. I have a print out from the original creditor going back to XX/XX/XXXX stating I have a XXXX balance to date. This is not my debt and it needs to be removed immediately. PMAB LLC has acted in a very malicious way by not contacting me to begin with as I am victim of identity theft, by ignoring my letters requesting validation while continuing to verify these debts are mine with the bureaus when in fact they are not mine and this is against state and federal law. Remove these two erroneous accounts immediately from my credit reports.
Product: Credit card or prepaid card

We received the Bank of America credit card in XX/XX/2022 with 0 % interest. I was supposed to be charged 0 % interest rates for 21 months. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. I would like the interest rate to go back to 0 % and Bank of America to refund me for the extra fees paid to Bank of America from XXXX until current ( XXXX ). I would like Bank of America to be held accountable for a classic bait and switch.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2024, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the following accounts in question : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I called Wells Fargo to inquire about entering the forbearance plan due to XXXX.I was told I was eligible and that the forbearance was good for 3 months with possible extensions up to a year.I asked what happens to the missed payments during this time and was told they just add them to the end of the loan at the end of the forbearance.I agreed to the forbearance.3 months later I received an automated phone message from wells Fargo asking me to push " 1 " to continue forbearance, which I did.Three months later I received the same phone call and I again pushed " 1 '' as I was still unable to work with the pandemic going on. At the end of XXXX, I called to see what my steps were to resume payments and I was told that I didn't qualify for the deferrment program because I was delinquent at the time I enetered. I asked why I wasn't told that at the time of the request and It was explained that after I was entered the investors came out with additional guidelines that stated no forbearance if borrower is delinquent. I feel like this is not legal to enter someone into forbearance and then at the end say that I was not eligible. Please help me because now Wells Fargo is having me apply for a modification and I am being told I can't make payments until after the process and the missed payments are piling up. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity.

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information.

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored.

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse.

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity.

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved.

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to XXXX that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does TRANSUNION allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that TRANSUNION PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit card

Bank of America stopped my automatic bill pay for several months and then restarted it but not until after the amount do was higher that the automated payment amount on several account. 

It cause several account to be sent to collecttions. Bank of America sent my Bank of America Credit Card to collections when i had perfect payment history. I have been with the bank for 20 years.

They blamed a third part vendor who maintained the bill pay, bill pay blamed the bank. No one was held accountable. And the funds wher not completely refunded and the damage was not undone.

I was on the phone for months trying to repair their misstake. 6 months into it they claimed they could only look back 30 days when the mistake had happen a year before and i had been on the claims and fraud protection for montsh about it but becaue i would not except their misstake they just simple said we can only go back 30 days.

That one error cause all my automatic bill payment accounts to be sent to collections. Which dropped my XXXX XXXX down to a XXXX. I lost all my other credit card, my loans all went into default. I did not catch the error unitll several months after it occured when i recieved a credit report and all my accounts where sent to collections. 

I contacted the credit company and they claimed they did a investigation and could not do anything becuse the accounts whe confirmed. I contacted them repeatedly, I contacted the bank repeatedly. Several months into it the bank confirmed they mistake. 

The XXXX XXXX claimed they investigation was done when it was not. If you looked at my payment history alone it would be obvious there was a mistake becaue I have perfect payment history becaue all by bills where on automatic bill pay for years. 

I have tried repeatedly to get my credit card returned and reactivated but my credit report is so ugly wont even my own back reissue the card they fraudulently sent to collections. I was told the algorithm kept kicking my application back and that i have to subbmitte a request in writeing which i did. 

I requested my account be looked at, that a supperior card be issued and a increase in my credit limit and repayment of the fees and charges and lose and damages. I have not heard anything in 8 months. 

They finally issured a retraction to the credit companies that proved they were lying about looking in to all my claims. When Bank of America retracted theirs it validated that all the other account that were sent to collections was their fault which had them all removed, but the damage was already done.
Product: Credit reporting or other personal consumer reports

Good day, there's an inquiry on my credit report which I don't recognize nor applied to, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In 2020 during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies Equifax, XXXX, and XXXX shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.
Product: Debt collection

To Whom It May Concern, I am writing to express my deep concerns regarding your collection agency 's behavior, particularly your deceptive claim that you work on behalf of XXXX XXXX XXXXXXXX in connection with an alleged debt. Such deceptive practices are not only unethical but also in violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities related to this account. 

I have taken the necessary steps to verify my financial obligations with my insurance provider and can confirm that no outstanding debt exists with XXXXXXXX XXXX  XXXX. Your false assertion of this debt is not only misleading but also a direct violation of the FCRA. 

Under the FCRA, you are required to provide me with the following documentation to validate the alleged debt : 1. **Original Documentation : ** I request that you provide the original documentation, including invoices, bills, and itemized statements, which demonstrate the legitimacy of the debt in question. 

2. **HIPAA Release Form : ** Given the sensitivity of medical records, I insist that you produce a HIPAA release form authorizing your access to my medical information, as is legally required to proceed with any medical debt collection. 

3. **Chain of Ownership : ** Provide a complete chain of ownership and all relevant records of this alleged debt account from its origin to the current holder, as required by FCRA . 

Failure to provide this information promptly will be considered a willful violation of my rights as a consumer under the FCRA, compounded by your deceitful practices. I am prepared to take legal action to protect my rights and ensure that such deceptive practices do not go unchecked. 

I demand that you respond to this dispute within 30 days of receiving this letter. Any further collection attempts without proper validation will be met with immediate legal action, and I will report your company to the appropriate regulatory authorities. 

I expect your full cooperation in rectifying this situation in a lawful and ethical manner. Deception has no place in debt collection, and I will not tolerate any further harassment or untruthful tactics. 

Sincerely, XXXX XXXX