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

Dear Sir or Madam, I am writing to express my concern regarding several errors in my personal credit report, which are negatively impacting my credit score with XXXX, XXXX, and XXXX. Below, I outline the issues that I have identified : Closed account by MONEYLION LLC : This account is listed as closed on my report, which is incorrect as it should be reported differently. 

Closed account by XXXX XXXX : Similarly, this account is marked as closed, which is adversely affecting my credit history. 

XXXX XXXX : There is incorrect information associated with this account that needs to be reviewed and corrected. 

XXXX XXXX XXXXXXXX : XXXX late payments are reported, which is inaccurate and harming my credit score. 

XXXX ( XXXX ) XXXX There is a blemish related to this account that requires immediate correction. 

I have attempted to contact the respective institutions to resolve these issues, but I have been informed that I need to provide a letter of support from the Consumer Financial Protection Bureau ( CFPB ) in order for them to remove the disputes from my record. 

I am formally requesting that you review and correct these errors on my credit report. I appreciate your prompt attention to this important matter. 

Please do not hesitate to contact me if you require any additional information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX from JPL Recovery Solultions left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX XXXX XXXX inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 
I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 
In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Debt collection

AES ( American Education Services ) continues to bill me for a student loan that I have paid for back in XXXX, 2015. 

PHEAA conducts its student loan servicing operations commercially as American Education Services. 

AES continues to contact me regarding a pass due bill that I don't owe via email and telephone. In addition, they have put this past due bill on my credit report. I tried contacting them and they didn't even want me to send them the invoice that it was paid in full, they just insisted that I owe them. The dates discussed based on the timing that I attended school and the monthly amount of my payment arrangement were identical to the payments I was making.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a XXXX debt of {$3300.00}. I have never had a balance with XXXX or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.
Product: Debt collection

this was an issue starting with symphony Bank when I was using PayPal were I tried to make a payment of {$500.00} didn't go through so they added {$500.00} of that to in already XXXX dept then 4 months later made a {$300.00} payment to them doing a plan to close the account then they sold it to the collection agency and haven't reported that it was sold to them which I heard that you have to do within 180 days which they didn't and now they're lying about this account being an adjustable policy or loan which is false it's been 2 years and this whole thing messed with my credit my ability to refinance my car and get an apartment I would like this done and over with so they could back off or come up with a settlement
Product: Debt collection

The debt is not mine and the company has not provided me with any proof or verification that I owe the debt.
Product: Credit card or prepaid card

My Capital One Credit Card got Frozen in the middle me using this and was told that I need to prove my identity which required to produce my Social Security Card. When I mentioned to them I do not have the physical Social Security Card for a while and has been misplaced but I have my US Drivers License + US Passport + W2 Showing my Full SOCIAL + Utility Bill showing my residence they will not still allow me to access my Credit Card Account to even Dispute the Fraud Charges on the account which I want to dispute and actually would want to close the account/Credit Card. But none of that is acceptable with them. I have asked Social Security for a Replacement Card but it takes 6-8 weeks to get a replacement card from them so it's really no go with these people at Capital One and I am stuck not knowing what to do. No other Credit Company has asked me this and recently got issued new Credit Card with {$30000.00} credit line.
Product: Debt collection

I need you to get this company off my back!!!!! I can not afford to pay anything since I am on a fixed income and on XXXX and I am totally XXXX. I plan on filing for bankruptcy come XXXX 2017. If they sue me they wo n't be getting anything from me cause I have nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check did by XXXX ( they used XXXX ). In the repoert summary information, they did county searches that were clear, but there are three counties listed that I have not had any association with, one in an actual state that I have never even been to.
Product: Debt collection

On XX/XX/XXXX I checked my credit reports to ensure that there were no surprises prior to applying for credit to purchase a car ( I am a recent college graduate and will be starting a new job in a few weeks ). Appendices " A '' and " B '' show that as of XX/XX/XXXX, Source Receivables Management was not listed on my credit report and I had not received any documentation from them concerning the debt that they claim I owe to XXXX. On XX/XX/XXXX, I was alerted by my credit monitoring service that a new collection had just been added to my credit report. Upon my requesting my credit reports again, I discovered that Source Receivables Management was assigned this file ( Appendices " C '' and " D '' ) on XX/XX/XXXX, but I have never been contacted by them or given the opportunity to dispute the debt prior to it being reported to XXXX  ; XXXX  ; and XXXX, thereby damaging my credit history and score.
Product: Checking or savings account

Tried to link PNC account to XXXX and PNC prevented it.
Product: Debt collection

My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every XXXX weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran XXXX times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you 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: Checking or savings account

XX/XX/XXXX - My mother-in-law wrote me a check for {$5000.00}, and I tried to deposit into my Chase checking account. I received notice that Chase could not verify my mother-in-law 's cell phone number and they were going to hold the check in suspense, close my checking account, and mail me a cashier 's check for my remaining balance. Since my account was closed, my biweekly salary payment from my employer did not go through, I could not pay my credit card statement, and all of my autopays were denied. 

I repeatedly tried to call Chase 's Fraud department to see how we could verify the check. They kept saying they could not verify my mother-in-laws cell phone number. After several attempts, they finally told me the number that they were trying and it was an international number. My mother-in-law lives in the USA. When I asked how to move forward, they said that my mother-in-law and I should each go to a Chase branch and call the fraud department. We did that and each showed our driver 's license cards and verified that the check was legitimately issued by my mother-in-law. Chase denied the funds again. 

Four months later, the Issuing bank said that all they could do was to request the funds back and to give Chase 30-45 days to reply. By XX/XX/XXXX the funds were still not returned. I kept calling chase and they would not give me an answer. 

XX/XX/XXXX - Called Chase again and a representative asked to verify my mother-in-laws number again because they may have updated their verification system. They were able to verify and said that Chase would mail me an overnight cashier 's check for the {$5000.00} and to call back the following day for a tracking number on the shipment. I called back the next day and they could not provide the tracking number. Another week went by and still not check so I called chase again and they said the check was again denied because the funds were deposited into my closed account that I could not access. I called again and asked to talk to the manager and they told me that the check was not issued because the funds were returned to the issuing bank in XX/XX/XXXX. 

My mother-in-law and I have worked very closely with her bank and they do not recognize the funds being returned to any account. Her bank has asked me to call Chase for a reference or confirmation number so they can locate the funds. I have called chase on five separate occasions and they will NOT provide any sort of confirmation number. They repeatedly state that there is not a confirmation number associated with the funds being returned, and my mother-in-laws bank still can not see the transfer back to them. 

We are stuck with no resolution as Chase denies trying to help at all. They just keep telling us that the funds were returned and to have my mother-in-law 's bank ask their research department to look for it while they still will not provide any sort of confirmation number of the transfer. 

-Chase won't return the check -No cashier 's check was issued to me -Chase is keeping the money Please help! 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX and XXXX I sent in my identity theft documents with request to remove accounts and inquiries within 4 business days per the FCRA. No one did anything and just disputed instead. I have been trying to get this fixed with Equifax for almost a month past the FCRA notification and I spoke with an employee the last week in XXXX as well. On XX/XX/XXXX and XXXX I spent multiple hours on the phone with employees who have continually transferred me, hung up on me, claimed to be fraud department but are not, send me to disputes etc. 

On XX/XX/XXXX I spent an hour on the phone with a gentleman who told me they would not comply with FCRA 605b because thats not their progress and to wait 30 days. I got hung up on when I asked to speak with his supervisor. 

Every time that I called in, I was connected directly to the fraud alert department without pressing any prompts on the key pad. I was forced each time to explain why I needed transferred, and not to send me to disputes ... then they would send me to disputes and then disputes would have to transfer me to fraud department who would say let me verify you-do the questions and then say okay hold while I take a look ... and then hang up on me again! Please review the phone calls and your employees responses, yes I got very annoyed after over an hour of just needing to make it to one department. Your staff need educated, this has made it almost impossible to get identity theft off my report. 

I spoke to a gentleman named XXXX who was very helpful and said my interns would be removed within 24 hours with my FTC report. However, they are still appearing. I got ahold of a lady on XX/XX/XXXX who told me to just wait I had to spend 20 minutes attempting to get an explanation or understand what was left in the process to do. All she would say you just need to wait and talk over me. 

Your staff are not educated in the business lines, compliance or customer service level I would expect for a consumer agency that is reporting identity theft on my statement.
Product: Vehicle loan or lease

Interest rate charged was 22.99 % which violates Usery lawn in NJ.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Checking or savings account

Throughout my years with Wells Fargo I have experienced several delays in deposits and transfers, when I was low funds I was immediately given overdraft fees without any grace periods and Ive also dealt with fraudulent withdrawals and links and a frozen card even when I had funds available. Customer service has never been incredibly helpful in fixing any of these issues.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all XXXX bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : Experian, XXXX, and XXXX. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws. 

The discrepancies in reporting are as follows : Experian : XXXX XXXX XXXX XXXX  account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - Account closed in XX/XX/XXXX XXXX : - XXXX XXXX XXXX  account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX XXXX XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 90 days late in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 60 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports. 

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES.

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained.

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.
Product: Student loan

On XX/XX/XXXX, I received a letter from Aidvantage saying I needed to start repayment on my {$9200.00} student loans on XXXX XXXX. I paid off my three loans for a total of {$9200.00} on XX/XX/XXXX. Aidvantage has no history of my loan payment as the loans were paid off when my loans were serviced by XXXX. Aidvantage is now saying I need to produce bank statements proving the payments had been made. I can not access XXXX  to show proof of payment as that website no longer exists. Studentaid.gov shows that one payment of {$9200.00} has been made but I still owe another {$9200.00}. I never took out {$18000.00}.
Product: Credit reporting or other personal consumer reports

XXXX has old and inaccurate information on my report.