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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax : XX/XX/XXXX. Matches XXXX  but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3  failed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to inquire about a car at a used car dealership, I was told that I needed my credit ran. I told them run it once with XXXXXXXX XXXX, which they didnt due. The used car dealership is XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I didnt authorize them to run my credit 4 times. It was ran with companies that I didnt ask them to run it through. Date that it was ran was on XXXX. The companies were XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE AUTO FINANCE, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Product: Credit card or prepaid card

I have been trying to get my refund approved from Chase BankXXXX XXXX XXXX XXXX supported by Chase for the last 3-4 months. The airline keeps me redirecting to Chase and Chase does the same thing. My money ( points ) are being held hostage despite the fact that both US DOT and XXXX XXXX XXXX mentioning that customers are eligible for a full refund when a flight is canceled by the airline themselves. I even got an email from XXXX XXXX, XXXX " refund of your ticket to the original form of payment which can be obtained by contacting XXXX  Call Center at XXXX '' ). Obviously, they do not respond when I try and reach out to them. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my credit reports and noticed that Lakeview Loan Servicing , LLC ( XXXX XXXX ) was reporting that my mortgage was in forbearance. I disputed this with the three credit reporting agencies and contacted Lakeview Loan Servicing regarding this issue. 

On XX/XX/XXXX I received a notification stating my dispute had been completed. My updated credit report sated " Account information disputed by consumer '', a balance of {$280000.00} and that my account was " DEFERRED '' I again contacted Lakeview and explained the issue to them ... I was reassured that my account was not in forbearance and that it was not being deferred. The agent I spoke to told me they would send me a letter stating my account was up to date. As of today, XX/XX/2020 I have not received said letter. 

As of XX/XX/2020 my XXXX  and XXXX  credit reports still state that my account is being deferred and that my balance is still {$280000.00} making it appear as though I am 2 Months behind in my mortgage. 

I would gladly appreciate it if Lakeview Loan Servicing , LLC ( XXXX XXXX ) would correct this issue and post accurate information on my Credit Reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian received my certified mail letter dated XXXX XXXX on XX/XX/year> requesting their specific method of verification for XXXX items on my credit profile including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX It has now been 17 days since receiving my request and THEY HAVE FAILED TO provide me with a response as required per FCRA 15 USC 1681i ( a ) ( 7 ) which states that if a consumer request the " description of the procedure used to determine the accuracy and completeness of the information, ( i.e. the method of verification ), the credit reporting agency must respond to the consumer in within 15 days of receiving the request. EXPERIAN HAS FAILED TO ABIDE BY THIS LAW. Please remove all XXXX above listed items from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : 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

I contacted Citi bank originally in XX/XX/2018 to tell them to cancel my account when they lowered my credit limit over unrelated information. XXXX wouldn't give me the 30 days dispute I was allowed so I told her cancel send me my bill. I was never sent bill. I call back to tell them they sent the wrong amount with added fees and late charges that I am not due because they did not send me the bill as I asked when originally requested when closed. But they kept calling and calling all of XXXX and XXXX. I called two agents in XXXX and XXXX to resolve this. Finally today after I requested they cease and desist back in XXXX and the agent corrected the bill over the phone and placed me on do not call list I got another call today by Citi bank again and still never received the correct bill in mail as discussed. I am tired of being harassed. and Not being sent the corrected bill to let me pay by mail since my account is closed? We agreed that the amount was XXXX after deleting all the extra fees and additional lates addendums that they were adding plus percentages that they calculate. but I have been trying to get this bill corrected since XXXX!!! maybe before actually but I know I spoke with minimum 3 reps. and I won't speak to anymore.
Product: Debt collection

Ability Recovery Services is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the three credit bureaus ( XXXX, XXXX, and XXXX ) is incorrect. 

The company states they are collecting on behalf of XXXX XXXX Department. The accounts that Ability Recovery Services are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX Emergency Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX Emergency Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. 

In an attempt to help this matter, I provided documentation to the Gainesville Emergency Department showing that I was covered 100 % during the service dates. The XXXX Emergency Department agreed and confirmed this information upon receiving copies of my approval letters. The XXXX Emergency Department said they would forward the information to Ability Recovery Services. I have called several times and Ability Recovery Services have said that they are not sure if the information have been received and was not sure ig if corrections were applied yet. I took it a step further and decided to send the documentation via certified mail to Ability Recovery Service myself. 

I feel this is unfair and I would like this fixed immediately. I want to ensure that Ability Recovery Services corrects this error, remove this information, and cease reporting this incorrect information to all three credit bureaus. 

I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
Product: Credit card or prepaid card

Good Evening I purchased a prepaid card from a XXXX XXXX. The card was {$2.00} and you had to load money on the card so I added {$15.00} on it. I get home to register the card as it said but it wouldn ; t allow me so I left it alone until the next day. So, something said check my email well netspend sent a message saying my card was registered so I go back on line and it was telling me to set up a password to the account because they already had my email address so I did that, then I was able to get into my account. So I checked my balance for the {$15.00} and it said XXXX so I called net spend and the representative told me that I wasn't approved to use their card services I asked why and he could tell me the reason so I was irritated because if I had of know these people was gon na run my credit I would have never purchased the card. These people are running your credit for a prepaid card and it never said that on the outside of the card I feel like I was scammed and these people are selling this card to get your personal information. Is this legal?
Product: Credit reporting or other personal consumer reports

This item was purchased by a Third Party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector ( Hunter Warfield ). How much did the collection company pay for this item? My credit report doesn't reflect such amount. This is a clear violation on the FCRA and this is not accurate or complete and must be DELETED IMMEDIATLEY. I have never purchased any Hunter Warfield products or services. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hunter Warfield ( Original Creditor XXXX XXXX XXXX Account # XXXX {$1700.00} ) Have 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. 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: Checking or savings account

On XXXX I had a transaction for check number XXXX I wrote In the amount of XXXX for rent payment on the 3rd post to my account, I had funds in my Wells Fargo savings that Id transferred in the amount of {$1100.00} to cover the check transaction at the time through my Wells Fargo app which it had posted immediately on XX/XX/XXXX. Another transaction for {$85.00} my XXXX  account payment then posted to the account on this day XX/XX/XXXXXXXX  in which I deposited {$100.00} cash into the ATM to cover the transaction. I also noticed a credit reversal for a claim i had submitted on XX/XX/XXXX posted to the account in the amount of {$150.00} in conjunction with this. I then called Wells Fargo at XXXX XX/XX/XXXX and had to resubmit the claim due to missing information they needed and the claim was reopened fir that amount. At the end of the day after my ATM deposit I had a negative balance according to my receipt received of ( {$130.00} ). In accordance to Wells Fargos banking policies I would have until end of day on XX/XX/XXXX to subside the balance due to the grace period policy the bank has put in place for customers. This is not the case today XX/XX/XXXX I woke up to check my account and saw that the check of {$1100.00} posted XX/XX/XXXX that Id transferred funds specifically for in the amount of {$1100.00} between my checking and savings had been kicked back out of the account and I was assessed a fee on a transaction rather that was posted days before and where money was transferred to cover the transaction at the time. I have receipts between time to show that I had a positive or even balance as well. There was no reason an overdraft fund should have been assessed in this particular transaction besides that Wells Fargos technology severely lacks in real time causing real issues for long time customers like myself. Furthermore the facts with the check being kicked out and Wells Fargo not adhering to their own policy with the extra day grace period giving me until end of day today to overcome and negative issue in my checking of the leftover balance of the ( {$130.00} ) poses an even bigger issue and by not following their own policies generates concerns of federal laws not being adhered to by the bank ur further more has caused me the stress and XXXX  of the check being returned to my landlord not only which will cause the trickle down of receiving a 5 day notice of eviction to pay it quit but also fees associated with the returned check and administrative costs to the landlord that will be applied to my account. This is not ok! I have made several complaints about similar issues with Wells Fargo that cause a trickle down of issues and stress and XXXX  for its consumers where nothing is done and loyal people like myself who have been with the company and also have relations with other banking institutions with no issues and dont see the same problem exist, go unheard or hear the excuses the customer service representatives have to apply as a cover where the underlying issues continue to get overlooked and continue to cause ongoing problems and stress for the consumers!!!
Product: Mortgage

We have been processing a short sale for months now with Wells Fargo. They ordered a new BPO and appraisal and were updating me a few times a week that they were just waiting for the value to come in. They sent me a few emails last week that they escalated the BPO results and would let me know ASAP as soon as it came in. Not having heard anything, I sent a few follow up emails to the negotiator and his manager but they went unanswered. I followed up with a phone call and was told that the file was removed from short sale 2 days ago and a sale date was scheduled for XX/XX/XXXX. They said there was no one available that could speak with me regarding this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the companies listed below that on XX/XX/2020 if I paid the following accounts off to a XXXX balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agenciesXXXX XXXX XXXX XXXXXXXX XXXX. It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised. Below are the accounts still reporting to the credit reporting agencies. 


Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX
Product: Student loan

On XXXX XXXX, " Department of Education : MOHELA '' cashed a check for {$36000.00}, which was the payoff amount for my student loan. They have yet to credit the amount to my account, and they are continuing to bill me with interest accruing. I have called and contacted them by email many times, and the only thing they can tell me is that resolution might take 30-60 days. ( It will be 60 days as of XXXX XXXX ). The person I talked to today said she could not see that anyone had been assigned to " the case. '' I have tried to upload to them a copy of the posted check, but they say they are not able to take that from me nor will they provide direct telephone contact information nor email addresses of anyone who can help me with this situation. 

I previously filed a XXXX  complaint only to learn that MOHELA will not speak to them because of privacy issues.

This needs to be resolved immediately so my credit will not suffer.

No one on the phone at MOHELA can really do anything to update me. My mother broke into tears on the phone with MOHELA yesterday, telling them, " We feel like we have been robbed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support. 

I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.

I would sincerely appreciate if they would submit a request to remove this account from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 6 accounts that I have no dealings no contract and no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all collection accounts
Product: Credit card

This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Account and Demand for Immediate Resolution To Whom It May Concern, I am writing to formally dispute an unauthorized account associated with my name, which appears to have been opened without my consent. I have recently reviewed my credit report, and I noticed an account with your company under my name that I did not authorize or open. 

The account in question is as follows : Account name : XXXX XXXX Account Number : XXXX Date of Opening : XX/XX/year> Account Type/Description : Collection Or Charge Off / SETTLED - LESS THAN FULL BALANCE I assert that I have not provided any personal information or consent to open this account. This account is fraudulent and was created without my knowledge or approval. I request that you immediately investigate this matter, remove this account from my records, and provide me with a confirmation that this unauthorized account has been closed. 

Furthermore, I request that you provide me with any and all information related to the creation of this account, including but not limited to : The date and method in which the account was opened The details of any transactions or activities associated with the account Any documentation or correspondence relating to the account Please also ensure that this account is not reported to any credit reporting agencies under my name, as it is not a legitimate account.