23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a XXXX from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit card or prepaid card

I sent a bank check for {$11000.00} to pay the balance off on my bank of america cc. They cashed the check on XX/XX/2022. As of XX/XX/XXXX it has not been applied to my account. 
Yes Ive done everything possible with cc company.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had a direct deposit in the amount of {$1800.00} directly deposited into my XXXX Bank Account issued by PNC Bank XXXX XXXX, a campus based Federal student loan servicer. On XX/XX/XXXX " XXXX XXXX Banking closed my account due to violating there " ACH Transfer '' or in other words, " Direct Deposit '' policy. But at first they had told me it was for fraud, I was told that the names on the accounts did not match. Which was a complete lie and they disregarded my willingness to provide proof. I have been attempting to gain access to my money for going on 60 days now. I even had an affidavit emailed to me. Printed the affidavit, filled it out, had it notarized and mailed back to XXXX to have sent to the bank who has been holding my student refund because they refused to reverse the deposit back to the loan servicer to have them redirect the deposit to my other financial institution. XXXX Bank has refused to even email me or call and discuss the matter so here I am taking what ever steps I need to to get my money. I have been trying to get my refund since XX/XX/2023 and today 's date is XX/XX/2023 and I am getting the same run around about contacting them, 5 to 7 days for update, never get update then told to contact the school XXXX XXXX. Then they tell me they are waiting for response from them, and so on. I am getting nowhere with PNC Bank, XXXX XXXX banking, XXXX nor XXXX XXXX  XXXX XXXX XXXX XXXX campus. Please help me CFPB!
Product: Credit reporting or other personal consumer reports

I have 2 vehicles from XXXX XXXX XXXX XXXX XXXX leases ended XXXX XXXX I extended as due to Pandemic, XXXX. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an XXXX XXXX XXXX XXXX  worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle. 
Several issues caused confusion. 
1. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled. 
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online. 
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau. 
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in. 
2. I was constantly talking with XXXX  and making payments on one of two vehicles but billing was erratic through XXXX
Product: Credit reporting

XXXX is fraudulently reporting Charge Off collection remarks against me. This is duplicated on my experian report XXXX.Chase Bank according to the FCRA needs to be deleted entirely from my credit portfolio due to being past stature of limitations, The last payment/transaction on this credit card dates back to XX/XX/2009 and is well over 7 years ago
Product: Debt collection

This problem is with Synchrony Bank, the partner of XXXX and XXXX operates Paypal Credit. 
XXXX Paypal Credit XXXX : XXXX On XX/XX/30 I purchased on XXXX a plushie using Paypal Credit. 
I was charged {$160.00} for a fullbody cat plushie and after additional discussion with the seller to upgrade the size agreed to pay {$450.00} more. 

A month later, seller came to me with just a small plushie. When I became upset as it was fraud of purchase terms, they said they will produce the large one. Another month later they provided one that was far subpar to their store quality purported and refused to fix the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX What the business XXXX committed to provide XXXX Buyer Protection How XXXX  is involved : They are directly in charge of Paypal Credit and in collaboration with XXXX. Basically, both teams XXXX and Synchrony Bank refused to read my evidence provided and jointly participated in attempting to put debt on me when I should have qualified for buyer protection. 

Nature of the dispute : I never received the items ( neither the small one nor large one ), seller attempted to dispatch randomly a package few days into the dispute process. 

I asked XXXX how this will affect and XXXX said to expect to be automatically ruled against, that they will not give me buyer protection even though seller provided not as described items fraud. So I was forced to open with Synchrony Bank, who also refused to investigate. 

Has the business tried to resolve the problem : No, XXXX denied me buyer protection even though I should have been covered. I have asked XXXX to contact their international office to return the shipment to origin but could not accept the package or pay for its return when it was forcibly sent out by the seller. 

Tracking # for {$160.00} shipment : XXXX XXXX Tracking # for {$450.00} shipment : One doesn't exist at all, seller uploaded the same # and XXXX says they just going to presume to accept that.
Product: Checking or savings account

I had been with Bank and America for 16 years and had some problems with fraud a few times. The last time was outrageous. I immediately reported it to the bank and filed a police report. They crested another account but it was still attached to the original one that was hacked into. I asked them to separate it so I could move my funds over and close the hacked account. They continued to freeze the old account but you could still access it through their main portal and then get over to my new accounts. I continued to have fraud issues and all they did was change my username and password. One day a someone cashed a check in my name out of my account. I immediately called Bank of America and at that point the agent asked me as to which username was me. I told them I only had one username that they had provided me. Unknown to me there was another username on the account that they knew about and the person was freely taking money out of my account and using XXXX as well. Not only that but they had issued checks to this person. I told them since it started that I was the only user of the account yet no flags were set off after continuously changing my name and password and dealing with fraudulent activity. I lost thousands of dollars to both Bank of Americas negligence and the theft that was being committed. The police said it was not a matter they handle and Bank of America took no responsibility for it. Then suddenly they shut down my accounts without contacting me until after the fact. Without an explanation everything was closed and on top of that they reported me to other banks. I am XXXX and on medical XXXX so this entire process was a mess and very stressful, not to mention the amount of money that I lost in the process. None of this would have happened if it were not due to their negligence and mismanagement of my money. I dont understand how this could happen and why I was blamed. Some sort of action needs to be taken because if this happened to me, I am sure I am not alone. On top of it I am out thousands that I desperately need for my healthcare. I need help and advice on what action can be taken.
Product: Credit reporting or other personal consumer reports

am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or TransUnion. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.
Product: Student loan

I received an email on XX/XX/27 saying that my IDR plan was approved and that my payment would be $ XXXX. I went to make my payment and saw that their site was saying that I owed {$500.00}. I have been trying to get more information on why the amount they show is higher than my approved IDR and what needs to be done to have the amount due accurate. I've called them several times during their business hours and have been on hold for more than XXXX minutes each time. Eventually, I had to hang up because I was at work and they are only open during work hours which is unreasonable given the extremely long hold times. I then decided to try to email. I've sent over XXXX emails and have yet to hear back or have my questions answered. I spoke with someone Friday who said that they would put my account into forbearance and send a request to have my {$99.00} XXXX amount reflected in my monthly bill but it doesn't look like my account is in forbearance as it's still showing past due and now I'm getting messages saying that my account is delinquent. I can't afford the payments they are asking for and it's way higher than my IDR payment plan but no one has been able to help me. This is not fair and should not be legal.
Product: Debt collection

Someone hit my car when I was uninsured, and they are trying to get me to pay for the damages. I already dealt with the dmv and I now have an XXXX for driving while uninsured. They threaten to bring the collection to the DMV to get my license suspended.
Product: Debt collection

I spoke with the representatives of Lenders Loans several times about calling excessively. I am going through a family emergency and need to focus on helping a loved one. I asked them not to call me every day ( and they would have to wait seven days after we spoke ). They replied, " They can call as many times as they want. The calls will continue. '' I spoke with a representative yesterday. I stated, " I will make a payment in the middle of next week. '' She called again today.
Product: Debt collection

i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 of 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: Debt collection

I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This statement shall serve as my formal notification that I am in good faith requesting debt validation, not account verification nor copies of the debt statement. I have noted the following deficiencies in the debt statement. 
1 ) Failure to provide any documentaion in regards but not limited to any tradelines, securities ; guarantee agreements ; tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX. XXXX, XXXX 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 an account without my handwritten instructions.
Product: Mortgage

I have been working with the Mortgage relief program application XXXX as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and I just got off the phone with them XX/XX/23 XXXX PST. They have stated that the issue appears to be that my servicer has given them an incorrect amount that was past due on our loan. The mortgage relief program released {$60000.00} to cross country mortgage but then cross country mortgage returned those funds to the program because a loan modification was completed and they didnt think that I was approved for the program. I was approved and the past due balance of our account is {$16000.00}. Cross country mortgage has closed my loss mitigation file. They need to reopen my loss mitigation file and let the Mortgage relief program know the correct past due balance of {$16000.00} so they can release those funds to bring my loan current and both companies can close out the file. The XX/XX/23 mortgage statement that I included shows that I am still {$16000.00} late on my mortgage. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX  has also closed out a previous ticket ( complaint # XXXX ) I had regarding this matter because they had promised to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to check if I have more economic debts with money lenders. The reason is that they sent me a demand that I owe money.
Product: Credit card or prepaid card

I received an email today XX/XX/23 indicating that I applied for a Chase Freedom Unlimited credit card which I didn't. My credit report was hit and now has a hard inquiry. I spoke to the credit card company and they supposedly cancelled the application and are supposed to put a request in to the credit reporting agency to restore my credit.