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

I purchased a XXXX in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX  and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 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: Debt collection

Hello, I am calling in regards to the debt that you are attempting to collect from me. I believe that there may be a case of mistaken identity, as the debt does not belong to me. 

I have been receiving calls from you XXXX, and I am aware that you have been calling my family, friends, and workplace as well. This is causing me a great deal of stress and anxiety, and it is affecting my personal and professional life. I understand that you may be trying to collect a debt, but this constant harassment is unacceptable. 

I would like to request that you provide me with information about the debt, including the original creditor and the amount owed. I also request that you send me a validation notice that verifies the debt is mine, as I dispute its validity. I need this information to resolve the matter as soon as possible. 

And remove it of my credit Furthermore, I want to make it clear that you are not allowed to call me or my family, friends, or workplace anymore. I know my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I know that it is illegal for you to harass or abuse me in any way. If you continue to call me or anyone else, I will file a complaint with the Consumer Financial Protection Bureau and take legal action if necessary. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in my credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against EQUIFAX, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed from my credit report : 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 These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) due to : 1. Failure to Conduct Proper Investigations : Equifax failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. 2. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. 3. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : Fcra 605B ( 15 USC 1681C-2 ) 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
Product: Debt collection

Account has not been verified after I asked  Collection Agency to  give me the information about this account  XXXX / XXXX /  XXXX   Asked company to send validation of amount owed they have yet to respond
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
It is the result of identity theft XXXX XXXX inquiry date XX/XX/year> XXXX
Product: Checking or savings account

I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. XX/XX/XXXX, I was charged for the insurance of the tickets by XXXX XXXX of {$25.00} and then on XX/XX/XXXX, I was charged {$350.00} for the tickets for the XXXX XXXX concert. 

On XX/XX/XXXX, I received an email from XX/XX/XXXX stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XX/XX/XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 

Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXXXX/XX/XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have.
Product: Money transfer, virtual currency, or money service

I work with XXXX so long year, after sent he has been provided me " Cancelled '' so I never get result any time Nowadays I can not log in, I don't want use his site I want know last all transfer I had using with many amount where they go. Now he can send more 200 countries. When used he only send 63 countries I had save print few copy. Are they can pick up when I ask
Product: Student loan

My parents have been receiving payment notices for my student loan debt from Aidvantage. 

I have tried to login into Aidvantage using my account number and my social security and birthdate, but both say there are no records of my account on file. 

I no longer have access to my school email, XXXX that I had used when last paying my student loans. I should not be getting any payment notices as my income in 2022 was {$16000.00}, but Aidvantage is demanding payments based on old tax returns and I can not login or access my account because they don't have it on file to update it. 

They are threatening to put my loan in default based on their faulty and outdated information and their incompetent record keeping where I can not login to my account using the account number they provided to me or my social security number.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/23 XX/XX/23 -- / -- {$89.00} XXXX {$89.00} XXXX - {$89.00} XXXX XXXX XXXX XXXX COLLECTION XXXX  History XXXX XX/XX/23 ; XXXX ORIGINAL CREDITOR : XXXX XXXX ______________________________________________________ I spoke with the abrove collection as well as creditor but explain and remain to have no knowedege of the acct even after I gave the the acct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Regarding : Citibank XXXXXXXX XXXX XXXX XXXX Number XXXX Cardholder Name : XXXX XXXX XXXX Dispute of {$59.00} Balance Owed XXXX : XX/XX/year> : Fraudulent Charge of {$29.00} ( See Fraudulent Charge PDF Attachment ) XX/XX/year> : Called Citibank Customer Service. Disputed {$29.00} Charge. Closed Credit Card. Customer Agent stated fraudulent charge was removed. 
XX/XX/year> : Citibank Late Fee Charge of {$29.00} ( See Citibank Statement XXXX  Attachment ) XX/XX/year> : Citibank Interest Charge of {$00.00} ( See Citibank Statement XXXX  Attachment ) CItibank 's balance of {$59.00} is erroneous. It consists of a {$29.00} fraudulent charge that was disputed. A Citibank agent stated that this charge was removed. It was not. Citibank then erroneously charged a {$29.00} Late Fee and XXXX XXXX interest. 

Request that charge of {$59.00} be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I sent my credit card payment in the mail and it got lost in the mail. I of course did not know this until it was too late. Since then, I have repeatedly tried to fix this because it shows as 30 day late payment on both my XXXX and XXXX credit report. It does not show on XXXX because they have corrected it. The credit card has now been sold to a different bank ( Goldman Sachs XXXX XXXX credit card ) and it is still reporting a 30 day late payment. I am really concern about this because I absolutely always pay my credit card bills ahead of time. I would like this to be corrected, specially since it was not my fault.
Product: Checking or savings account

America First Credit Union decided to switch all checking accounts to a monthly fee premium account without account owner permission. 
Its an opt out scenario and trying to get my account left with the free checking option took far too much time on hold today.
Product: Credit reporting

I paid XXXX in 2008 in full please remove from credit report
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute several incorrect details on my TransUnion credit report that could seriously harm my credit profile. The name listed, " XXXX XXXX XXXX, XXXX, XXXX, '' is completely wrong. The address, " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, '' is incorrect and should be " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' The employer, " XXXX XXXX, XXXXXXXX XXXX, '' is also incorrect and does not reflect where I work. These errors have caused me a lot of stress and frustration, as they damage my financial reputation and make me concerned about identity theft. These mistakes could negatively impact my credit, and I believe they violate the Fair Credit Reporting Act, which requires credit reports to be accurate. I'm requesting that these errors be fixed right away to make sure my personal information is correct and up to date. Also, please check how this happened to make sure no fraud is involved.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/XXXX XXXX XXXX  and XX/XX/2022 - I had sent my complaint letters to KeyBank, both of which were left unanswered, in which I clearly stated how this scam has affected me personally, psychologically and financially.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT INQUIRIES FTC AND OTHER DOCS ATTACHED SHOWING THE FRAUD
Product: Debt collection

A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit card or prepaid card

I have been in business with Chase for a long time and never had an issue with the payment on credit cards. One they they decided to reduce my credit and closed my business credit account. I called them and talked to them about it. They explained that they were reducing my credit because of my debt ratio. I explained that if your going to charge me for all of my mortgages should should add the rental income to the mix. They refused. At the time my credit score was over XXXX. When they closed my business account my balance was XXXX. A few months later they said I didn't pay a bill on the business account for some interest that was added after they closed the account. I explained that they closed the account and that I was never notified I owed the money. No statement was received, no phone calls nothing. They issued a late payment to my credit and it has put my credit down 50+ points. I called them and paid the bill but still my credit was damaged. If you check I have been with them for years and I can not remember ever being late. They will not take the late payment charge off my credit report and they treat a long time member with no respect.
Product: Debt collection

**Experian Credit Bureau** XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXSubject : ** Dispute for Unauthorized Accounts and Transactions Lack of Written Consent under 15 USC 1681 Dear Experian, I am writing to formally dispute the following accounts and transactions listed on my credit report under the Fair Credit Reporting Act ( 15 USC 1681 ) . I have not provided written consent to furnish or obtain my personal information for these accounts, nor do I recognize the transactions associated with them. 

The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX** - Account Number : [ XXXX ] - Type of Account : Credit Card - Subject : Dispute due to lack of recognition of transactions. 

XXXX. XXXX XXXXXXXX XXXX XXXX** - Account Number : [ XXXX ] - Type of Account : Credit Card - Subject : Dispute due to lack of recognition of transactions. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - Type of Account : Loan - Subject : Dispute as I do not own a car or have a loan with this company. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - Type of Account : Credit Card ( Paid Off Completely ) - Subject : Dispute due to lack of recognition of transactions. 

Under 15 USC 1681, I demand that these accounts be investigated and promptly removed from my credit report if found to be inaccurate or fraudulent. Please provide a written confirmation once these disputes have been resolved. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

upon typing the words ONE MAIN FINANCIAL over 15 companies ' names appeared. Many stated no inquiry to credit report would be made, but required name, address, phone, email., income sources. 

I found the inquiry misleading, erroneous, not clear, confusing, and downright awful when merely looking at the information. ONE MAIN required all of my info, which I reluctantly but did provide, and they in turn reported same to my credit report with a hard hit! I called OMF asked for this to be removed, explained I was just looking at their business out of curiosity, and they said this would remain on my credit report for 2 YEARS! Not once was I aware of this, nor would I have provided the information if they had disclosed same. 

In addition, many other companies in the onlines inquiry that popped up, ran same information The OMF site was misleading, confusing, difficult to understand, roped me in and then slammed me with a hard hit on my credit report. I plead ignorance because I'm not privvy to their online practices, I'm a retired senior citizen learning not only on line stuff, but the difficulty in understanding what to click, not to click, what to do, and because of this I am now being penalized for their liberties in collecting information from me and now the conclusion is my credit report is affected. My credit score is always above 700 and now i have a black mark on my report. I do not recommend anyone do business with nor inquire on line with this lender. 
I DO NOT NEED A LOAN. I do not need the money. All of my bills are paid on time. 

While navigating through their site many others popped up, confusing me as to who they were, how they got my info and now I don't know how to resolve this. In addition, all of the data I provided and emails I am unable to locate from them ... seems suspicisous to me in many ways here.
Product: Credit card or prepaid card

Chase Morgan Bank announced to me that they would be raising my interest rate from 9.74 to 14.74 % despite a perfect payment history and excellent credit. They claimed that everyone had this increase although I have reason to believe that this is not true. They said they raised my interest rate because they no longer will offer a lower rate and it will bring my rate in line with the other users. So, they are claiming that those with good or bad credit were all given the new 14.74 % rate. They said that this is the case for this " card product. '' When I inquired as to the other " card products '', they refused to respond. I left emails, personal messages and voice mails with my local Chase Bank, with the Delaware office, and with their " Premium '' supervisor. The only one who communicated with me was the " Premium '' supervisor who refused to give me information on the other card products and I might be able to apply. I filed a complaint with the XXXX XXXX XXXX. Chase refused to disclose their follow-up letter to me which stated, in a terse and unprofessional manner, that they had already responded to me on this issue and their decision remains intact and final. I have reason to believe that their knowing me to be XXXX is another reason why they unjustly decided to raise my interest rate through the roof with no justicification whatsoever.
Product: Credit reporting or other personal consumer reports

I reckon FCRA 605B wants us to take out wrong accounts from my credit report. Can you look at the papers? Some accounts listed are wrong about what they say, like the money and dates.
Product: Debt collection

Yesterday ( XXXX XX/XX/2020 ) I reported to CFPB that XXXX XXXX and XXXX XXXX XXXX are attempting to collect on a {$1000.00} account that is not mine. Today I noticed that XXXX/XXXX XXXX/XXXX  have transferred the account to Enhanced Recovery Company in the sum of {$1000.00} earlier this year. I have not opened accounts with any of these companies voluntarily. I reported this to XXXX  ( the only credit reporting agency showing this collections account ) using their Online Dispute Service on XXXX XX/XX/2020 but I expect no favorable resolution because they sided with XXXX before. I should also note that I have never received an account statement from XXXX, XXXX, or ERC. This is a continuation of my CFPB complaints XXXX and XXXX.
Product: Debt collection

XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.