23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being.

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights.

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 My Pay Pal account was charged for {$89.00} from a company named XXXX XXXX XXXX XXXX. I called and complained and they denied my claim due to the fact that they said I had agreed to the charge and that is not true. 
I am XXXX and a veteran having served overseas for our country and my wife passed in XXXX and this bothers me so much. I got a denial with the address where I could make a final appeal and I did so. They never even answered me. So I called the credit card company for Pay Pal and cancelled my account and cut up the card. 
There was an email that said " download or cancel '' and I clicked on cancel. I didn't even know what they were selling. This is elderly abuse and I will tell you that Pay Pal is paying anyone that says they have money coming because there was no checkout to a point about paying or anything. I am on Social Security and cannotr afford this bill. The credit card company Syncrony told me I should pay it to keep myself out of collection while I was waiting so I did. 
Please help me with this as I am feeling totally used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit reports and it showed a delinquent payment to Edfinancial when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. XXXX 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 written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section XXXX : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX District of Wisconsin bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to XXXX and Experian asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to XXXX. I don't have any collection or past due accounts. I have spent numerous hours, money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!
Product: Student loan

In the last several years Navient has had issues keeping the details and the payments straight for my personal and federal student loans. They have given me advice that has resulted in the loan balances growing versus dropping. the private loans are now almost 25000 over the original amount borrowed. I have signed up for their rate reduction program and have had the payment automatically deducted for the last 3 years. In that time I have received numerous calls informing me that the payments are late, that the payments have not been made or applied even though they have deducted the money from my bank account. There have been many times it has taken me over 10 hours on the phone with their customer service representatives, only to be passed from one person to another, and in the end they say they have fixed it and then I receive another call a couple days later about the same issue. I have not been able to access my online account information for several years, and when I call to try to resolve this issue they tell me that the information I give them is incorrect. At one point they told me that my birthdate was not the same as what they had on file. The DOB that they had on file would have made me 16 years old. The few times that I have been able to access their online account information it shows the payments received for my federal loans but none of the details, and it shows the details of my private loans but none of the payments that have been received. I am only the cosigner on these private loans, but I am the one making the payments. The customer service representatives are vary difficult to work with when they see this fact. I did contact an ombudsman with Navient to attempt to resolve some of these issues and she talked to me once and appeared not to be surprised by the issues I was having. Yet it hasn't changed the way things are handled. The primary borrower filed bankruptcy and that created a whole set of new issues regarding these loans, and although the company still continued to receive my payments during that time I got numerous calls that informed me that the payments were not being made. I am overly certain that the payments are not being applied in an appropriate manner and it would take a financial genius to navigate Navients system to be able to prove that they are doing so. At this point they have me stuck in a payment system that will require 95 years of payments to pay off these loans.
Product: Debt collection

this company XXXX XXXX  kept on calling my family members about a debt that was charged off by PROVIDIAN NATIONAL BANK which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now XXXX XXXX XXXX that I owe over {$3000.00} which I never had the card I don't know what they're talking about
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account closed with creditor XXXX credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called XXXX to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.
Product: Mortgage

I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account
Product: Debt collection

My XXXX account got hacked and they ordered items and I was able to cancel with XXXX. However, it was charged to a firm and I notified them and they will not forgive the death. They will not leave me alone after every attempt I have filed a claim with them I called them, and now they continually call me day after day day after day day after day several times a day And they just wont stop there attempted to collect a debt for a past due account that was not created by me and they are aware of this both my phone and email I havent used them since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX   and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know many other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Debt collection

On XX/XX/XXXX, I received notification from my credit report that an account had been placed in collections by Aldous and Associates. This account pertains to a gym membership allegedly unpaid, dating back to XX/XX/XXXX. 
I dispute the validity of this debt for several reasons : 1 ) Payment and Closure of Membership : On XX/XX/XXXX, I visited the gym in person, despite living XXXX hours away, to settle any outstanding debts and close my membership account. I communicated with XXXX XXXX, the General Manager, via email, and received confirmation of the refund on XX/XX/XXXX due to my bank account being charged twice for the same debt. 

XXXX ) Lack of Communication : Despite settling the alleged debt in XXXX and receiving confirmation, I was not notified of any outstanding amounts or attempts at collection until XXXX, when I received a notice from a collection agency. At that time, I was in the beginning process of my XXXX  enlistment and to avoid complications, I decided to pay the amount of the debt asked by the collection agency after complaining to the Gym and finding out that they could not do anything about alleged debt, the account was never placed in collection in my credit report. 
Nevertheless, 5 years after the collection was made, I am notified once again of this account being placed in collections, not by the collection agency but by the credit bureau after my credit score plummeted as a result of a new account placed in collection. This lack of communication is concerning and raises questions about the accuracy and validity of the debt. 

XXXX ) XXXX  Service : I enlisted in the XXXX XXXX shortly after the incident in XXXX. Any attempts at collection or reporting to credit agencies should have considered my XXXX  service and the protections afforded to service members under the Servicemembers Civil Relief Act ( SCRA ).

4 ) Inadequate Information : When contacting Aldous and Associates for information regarding the alleged debt, I was met with rudeness, lack of transparency, and inconsistency in their responses. They were unable to provide detailed information about the debt and only directed me to submit a written request during the last conversation I had with them, which further complicates resolution. 


Considering the above, I respectfully request the removal of the collection account from my credit report, as it is inaccurate and unjustified. In addition, I request the implementation of measures to prevent the same situation from occurring again in the future, including better communication practices and adherence to legal protections for service members.
Product: Debt collection

I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts
Product: Debt collection

I paid this Dept ( XXXX ) Off & I would Like the negative balance REMOVED From my Credit Report
Product: Checking or savings account

On XX/XX/2022 I deposited {$1800.00} in the XXXX ATM of Bank of America. XXXX XXXX branch, XXXX XXXX, New Jersey. 

But unfortunately it was more than XXXX bills and because of that machine stuck after accepting my money. 

ATM on the spot gave me {$300.00} deposit and I was still missing {$1500.00} and describe in the receipt that call to XXXX. 

Next day I call to the number mentioned above and claim for my missing deposit of {$1500.00}. But the customer care representative miscalculated claim amount and she put just {$300.00} instead of {$1500.00}. 

So on XXXX XXXX I got my claim number and temperory credit amount of {$300.00} On XXXX XXXX, I got the letter from BOA stating that the temperory credit of {$300.00} is your permanent credit. 

So I am still missing my {$1200.00} For that I called till date more than 6 times to BOA, but still not getting any answer. 

When I called on XXXX XXXX, I reopened my claim again ( re escalating the claim ). 

Even after 45 days completed and I called on XXXX XXXX still they dont have any answer. 

So I request you to please look into the matter seriously and please tell to BOA to give me my money back of {$1200.00}
Product: Credit reporting or other personal consumer reports

Description of What Happened : I am submitting a formal complaint regarding errors in my car loan with XXXX and my mortgage with Carrington Mortgage Services. These inaccuracies have not only caused confusion and financial distress but have also significantly damaged my credit score. 
XXXX XXXX XXXX : My car loan with XXXX was paid in full on XX/XX/year>, for the amount of {$20000.00}. Despite this, the account has not been updated to reflect the paid-in-full status, leading to errors in reporting. 
Carrington Mortgage : My mortgage payments to Carrington Mortgage Services have been made on time every month in the amount of {$2500.00} from XX/XX/year> to the current date. However, there are discrepancies in the recorded payment history and balance. 

As a result of these errors, my XXXX XXXX has taken a substantial hit, dropping from XXXX to XXXX, which is completely inaccurate and unfair. 

I am requesting an urgent investigation into these matters to correct the errors and restore my credit history. 

Desired Resolution : Update and correct the XXXX car loan to reflect the paid-in-full status as of XX/XX/year>. 
Correct the payment history and balance on my Carrington mortgage account to reflect on-time payments of {$2500.00} monthly from XX/XX/year> to the current date. 
Immediately correct my credit report to reflect accurate information and restore my credit score to its rightful standing.

Thank you for addressing this matter promptly. Please let me know if additional documentation or information is required to resolve this.