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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Negative Accounts on My Credit Report Dear Sir/Madam, I am writing to formally dispute certain negative items listed on my credit report. After reviewing my credit report, I noticed inaccurate or outdated information that I believe should be corrected and removed from my credit report. 

The account ( s ) in question are as follows : Ava Finance Date Opened : [ XXXX XXXX ] Disputed Item ( s ) : I have no knowledge of this account. This account currently shows on credit report as paid/ never late. I need this removed. 

XXXX  XXXX Date Opened : XX/XX/XXXX Disputed item ( s ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX Date opened : XX/XX/XXXX Disputed Items : Disputed item ( s ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Dispute Items : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Dispute ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 


I request that you investigate this matter and remove or correct the inaccurate information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached relevant documents, such as statements, letters, or any other information that supports my claim. 

Please let me know the results of your investigation and any actions you have taken within 30 days, as required by law. I would also appreciate written confirmation that this information has been corrected or removed from my credit file. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the above address, email, or phone number. 

Sincerely, XXXX XXXX
Product: Credit card

I received a call from a number identified as Wells Fargo Bank. The number was XXXX. I did confirm the phone number, but they never initiated a call. 
The caller said that a XXXX XXXX at XXXX XXXX XXXX in XXXX Fl tried to open a credit card in my name. I have never heard of this person and have no friends or relatives in Florida. I informed the caller that it was a bogus application. The caller then transferred me to the Consumer Financial Protection Bureau. They attempted to get my personal information and my credit card numbers. I did not give them my SS number, They already had my address in XXXX, MT. When i hesitated about giving them information they terminated the call. They gave me a call back number of XXXX. The representative who said they were from the CFPB identified herself as XXXX XXXX. They said the case number that they said they filed with your agency is XXXX. I have advised the Wells Fargo Branch in XXXX of this call. The initial call came to me at XXXXXXXX XXXX  on XX/XX/2024.
Product: Credit card or prepaid card

I received a gift card from a family member for XXXX ( {$100.00} value ). When I Peeled off the sticker to reveal the gift code, it damaged the card. The code was illegible. 

I contacted XXXX XX/XX/XXXX and they referred me to XXXX XXXX ( incomm.com ), their partner company that issues the card. 

I complied with the link, leaving my contact information ( multiple times ) and did not hear back from them. 

I contacted XXXX again and was told they could do nothing and did not have a phone number for XXXX XXXX  ( incomm.com ). I followed up with an e-mail and was given the same incomm.com link on XX/XX/XXXX. 

I tried several more times to request help from incomm.com, with no response. 

I Contacted XXXX again on XX/XX/XXXX and was given a contact number XXXX to contact XXXXt XXXX I was prompted to use a credit card to be eligible for a {$100.00} credit. When I spoke with an agent and told him why I was contacting them, he hung up. 

I have the card, never used, and my family member has the receipt for the card and its purchase. It is unacceptable to have to wait this long for any response AND that a major company will not address this issue with their partners.
Product: Student loan

I 'm having a hard time getting my employer to sign my application for the XXXX Loan Forgiveness. 

I worked full time in a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  them in a XXXX XXXX. My primary job was XXXX XXXX such as helping them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and skills on how to navigate their XXXX XXXX 


Please clarify : Do I need to have a XXXX XXXX licence to be eligible for the XXXX Loan Forgiveness? It does not say it in the requirements of the application. Am I disqualified from this particular program since I do not have a XXXX XXXX license even though I met all the requirements that are stated in the application process? Please clarify does having an XXXX XXXX  license disqualify you from this program? 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX I have asked this company and creditors for proof of the debt and the dates of last activity on this account is different for the bureaus. This account is inaccurate remove this account prom my consumer report demanding my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated immediately : 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: Checking or savings account

Huntington bank is refusing to close any account unless people physically show up at one of there locations
Product: Checking or savings account

In XXXX, I was charged a {$15.00} fee because my balance went below {$5000.00} due to a bank error. The branch admitted the mistake and credited back the fee. They advised since it was their error the fee would not be charged again due to a low balance in XXXX. 

In XXXX, once again I was charged {$15.00} because my average collected balance was below {$5000.00}. However, the only activity was the charge of {$15.00} and the credit back of {$15.00}. I was assured that I would not be charged another incorrect maintenance fee. The branch was supposed to take care of this so it didn't happen again. I have had one issue after the next and am not happy. 

Once again, please credit back the {$15.00} since it was your error that caused it. Also, these errors are not going to impact the promotional terms and I will be collecting my promotional bonus of {$250.00} on XX/XX/XXXX. 

Please also make sure this does not happen again. I would suggest you put a fee waiver through XXXX, XXXX to make sure this doesn't keep happening. 

Since I was assured this would not happen again I am left with no choice but to also start filing complaints with government regulators to document this practice.
Product: Debt collection

I am repeatedly receiving mail from various companies such as this one for a person who no longer lives at this address. I have sent back mail as return to sender no longer at address but still receiving mail for this person. I would like this to stop and please contact this person at their address and not this one as this person no longer lives here and has not for some time now. 
Address sent to is XXXX XXXX XXXX XXXX, XXXX Al XXXX, for a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted XXXX, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ Navient and Navient that are being reported. Also there is a problem with the days being reported late.
Product: Debt collection

Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX BANK XXXX Account number XXXX Account name NEIGHBORS XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name WXXXX Account number XXXX Account name PREMIER XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.
Product: Debt collection

I was having a financial hardship and was not able to pay my fee which was {$30.00} in the month of XXXX on time with Comenity capital bank/ Children place rewards card. I spoke with an employee there and they told me the late record would be taken off my credit report on all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonableXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX leased a vehicle from GM Financial {$290.00} a month and returned the vehicle at lease termination XX/XX/XXXX. 

In XXXX this lease still appeared on XXXX 's credit report when we tried to buy a house : It was then an issue that we thought was then corrected in XXXX. 

But in XX/XX/XXXX this lease payment still appears on XXXX 's credit report and GM Financial was called by the lender who confirmed the lease was paid off. 

This incorrect information is a violation of the consumer protection laws. 

GM financial has refused or neglected to correct the matter causing financial and mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Mortgage

Bought my Home for {$410000.00} and put 5 % down at closing. Appraisal came in at XXXX. With remaining balance and the appraisal that came in I have over 20 % equity for my home but since my original loan was sold Chase mortgage can figure out how to drop PMI now as the system says I can't drop it until I reach remaining balance of {$310000.00}. I would have over {$100000.00} in equity and a loan to value ratio of 75 %. I am already below there ltv of 80 % needed to drop PMI but they refuse as this what the system generated when they purchased my mortgage from original lender and refuse to make it right without me paying additional costs that are not needed to drop PMI.
Product: Credit reporting

XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information.
Product: Debt collection

In 2019 I was going to XXXX XXXX with XXXX in XXXX, CT. At some point my insurance changed and I provided the receptionist with my XXXX XXXX  XXXX XXXX XXXX insurance card. Months later I received a bill from XXXXXXXX XXXX ( XXXX ) and I contacted them multiple times explaining that I had provided my insurance information and do not owe a bill. After multiple calls and disturbing conversations with the supervisor over the billing department I contacted XXXX XXXX. XXXX  conducted an investigation and determined that the provider XXXX XXXX/ XXXX failed to submit the claim timely and that the patient ( myself ) was not responsible. I also contacted American Adjustment Bureau ( creditor ) once I saw that this situation was not rectified and now on my credit report and they stated that the amounts on the file show that the hospital charged it at a discount amount of a cash paying patient. I explained the situation to the creditor American Adjustment Bureau and they refused to remove it. I then put in a claim to XXXX  and XXXX  and their investigation report is stating that I am responsible despite the proof I provided from XXXX. I am not responsible for this bill and need it removed from my credit report.
Product: Student loan

I received a letter from Mohela on behalf of federal student loans stating on XX/XX/year> my loans were being placed on administrative forbearance with no explanation as to why. I followed up with an unanswered email requesting additional information. The letter states my interest rates were set to 0 % while in forbearance. On XX/XX/year> I received another letter from Mohela with accrued interest while my loans were on forbearance and I have somehow accrued over {$140.00} in interest during my forbearance when I should have accrued nothing. I sent another email which has since not been responded to. This is fraud.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX
Product: Student loan

Some of my loans being held by XXXX were transferred to FedLoans in XX/XX/2017 ( I was not made aware this transfer was happening ). I had made a payment online early in XX/XX/2017 with the payment date set for later that month for loans already being held by Fedloans, but by the time the payment had posted my other loans had transferred, so the amounts we allocated incorrectly. It ended up showing all of my loans as not paid in full. I immediately spoke to someone at Fedloans and was told they would regenerate a bill the missing amount for that month for me to pay in full ( {$10.00} ) and the payment would be counted as it was a mistake made through them. A bill was never sent. I have continued to call and complain to get this fixed and have been given different information every time, including that they would just do an override and count the month toward PSLF and I did not need another bill to be generated. I want this resolved and the month counted as it should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my Experian credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, Experian has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, Experian has CHOSEN to continue reporting this information on my file. My confusion is how is Experian in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX ( who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, Experian has chosen to continue reporting this inaccurate information further damaging my credit worthiness.
Product: Debt collection

I am opening another complaint again Cawley & Bergmann , LLC. My previous complaint ( Complaint ID XXXX ) was " resolved '' when Cawley and Bergmann uploaded a letter intended for a different person for a completely separate complaint. I am not surprised to find that they have multiple complaints against them, and this further proves their lack of professionalism and follow through to make sure they are dealing with the correct person. Back between the years of XXXX my name was used in an online Ponzi  scheme called XXXX XXXX  XXXX In XXXX  I received a letter from a debt collection agency Cawley and Bergmann LLC supposedly to collect a court ruled fine. They only ever contacted me by mail. I continued to receive letters periodically. They showed up in different envelopes, printed differently, and different looking letterheads. They did not look official or professional in any way. The letters talked about my involvement in a Ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. To date I have never received any court documents of any kind proving my involvement. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contacted Cawley and Bergmann and tried to get more information stating I was not involved and have not been shown any proof of the contrary. They told me to XXXX it and that they could not help me. When I suggested that someone else had used my name, they did not care that it was even a possibility. In May I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ) and now a second complaint with the Consumer Financial Protection Bureau. I have never been provided any proof of my involvement other than my name listed in a PDF on a random website. Someone either used my name to create an account on this XXXX  XXXX  website, or it is possible this was something done by my late father with whom I share my name. Either way I should not be forced to pay for this court fine. I am also continuing to seek legal advice in this matter.