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

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process. Therefore, I am pleased to ask for your assistance to remove immediately these fraud items in my credit file. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXBalance Owed : {$590.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX  Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX  Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX  Balance Owed : {$960.00}.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TD Bank, I am writing to formally lodge a complaint regarding a significant issue that has negatively impacted my credit report and caused a severe drop in my credit score. This situation stems from an instance where I was incorrectly reported as being 30 days late on payments for my TD Cash credit card ending in XXXX. 

The core issue is that I was unable to make payments for this account on time due to restricted online access. I was told by XXXX in-person representatives and during XXXX separate phone calls to the TD Credit Card Department that my online account access and login capabilities were restricted, preventing me from making payments through the usual channels. The restricted access was in place for an extended period, and, unfortunately, this happened until it was too late for me to take action and avoid a 30-day late payment on my account. 

Once I discovered the issue, I immediately took steps to resolve it. After further follow-up, I was finally connected to a credit card manager who, after escalation, was able to reset my online access. However, by that time, the 30-day late payment had already been reported to the credit bureaus, causing a dramatic XXXX-point decrease in my credit score. 

I want to make it clear that this situation was not caused by negligence or disregard for my payment obligations. I was fully prepared to pay, but the inability to access my account online, through no fault of my own, severely hindered my ability to take the necessary action. I have communicated the issue multiple times, but the response from XXXX XXXX  representatives was insufficient until it was too late to avoid the reporting. 

This situation, as described, is not a case of me failing to make a payment ; rather, it is an issue that was entirely out of my control due to XXXX XXXX systems restricting my ability to pay. As a result, I request the following : Immediate investigation into the incorrect reporting of the late payment to the credit bureaus. 
Correction of the late payment on my credit report, as I was not at fault for the delay. 
Assistance in mitigating the damage caused to my credit score due to the delayed resolution of this matter. 
I believe this situation was the result of an internal error on XXXX XXXX XXXX part, and I am seeking a fair resolution. I trust that you will take swift action to correct this issue and assist in restoring my credit standing. 

Please confirm receipt of this complaint and inform me of the steps you are taking to resolve this matter as soon as possible. 

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

I was reviewing my consumer report and noticed inaccurate items in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I wrote XXXXXXXX XXXX  a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX XXXX XXXX received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX. 
Last payment made on the Original Creditor account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX XXXXXXXX. Example XXXX, Charge off XXXX XXXX XXXX or XXXX XXXX XXXX whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to Transunion XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* Transunion Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due. 

* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. XXXX has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific 3 questions.
Product: Debt collection

This debt has shown up on my credit report under Jefferson capital payment systems.. 

I have no clue what this is and when I reach out to the company They state it is being serviced by someone else.. 

I want this removed from my credit reports immediately
Product: Debt collection

I have received invoices from companies and I have never heard of theses nor do I know what this invoice was for
Product: Mortgage

XX/XX/XXXX I refinanced my mortgage with XXXX XXXX who sold my mortgage to Wells Fargo Home Loans. My first payment was due XX/XX/2015. Prior to me refinancing my mortgage, I was on a bi-monthly plan where I was reducing my interest substancially. I decided to continue with the 13 month, bi-monthly mortgage payment. XX/XX/2015 ; I made two monthly payments and subquently XX/XX/XXXX onward I started bi-monthly mortgage payments. After a several months, I received notices from Wells Fargo that I was late in my mortgage payments and I late payments accurred to my account. I called and was to the late payments would be removed and my payments would be adjusted. Another monthly went by and they kept marking my payments as unapplied and charging me a late fee. I called again and was told that I could not do bi-monthly payments on my own. Also, if I wanted to do the bi-monthly payment program to reduce my mortgage balance ; I would have to join Wells Fargo bi-monthly program. So I did to eliminate the problem of late fees and having my payments sit in unapplied funds. After five months of being in the accelerate program ; Wells Fargo has been withdrawing from my checking account and are not applying my payments according to a 13 month accelerated program. They offer a program however they are not enforcing a program they offer and I not reducing my interest and balance according to how an accelerated program should work. I 've participated in a mortgage accelerated program for the last 14 years therefore ; I am aware how it works.
Product: Credit card or prepaid card

Hello- On two different occasions Regions bank claims they never received our payment. When it happened the first time, we simply went to a branch. Today, because its convienent for them, their branches are closed. When we called on the Regions greenline phone, we were told our " credit card/credit line could only be handled by a branch loan officer ''. 
We are making this formal complaint because Regions does not allow us to email them. Regions does not have phone staff in place to assist us with our issue. Regions branches are closed to anyone who is not a current account holder. Our current bank paid Regions on XX/XX/20 {$1000.00}. Regions didn't cash our check until XX/XX/20. To this day, Regions has NEVER credited our account for the payment.Regions has also illegally attached a late fee of {$49.00}, and still shows us as late!
Product: Credit card or prepaid card

On XX/XX/2017, Wells Fargo unilaterally and without warning closed my Visa Signature credit card and subsequently terminated XXXX Go Far Rewards (points) associated with my credit card account. WF didn't provide a notice that the account would be closed nor the opportunity to redeem points. If redeemed for cash or statement credit (at 1 cent per point) those points would be worth $XXXX. However, redeemed for airfare at XXXX (my preferred redemption method) those rewards are worth $XXXX. It's not an insignificant sum of money and Wells Fargo essentially prevented me from using it. I reached out to Wells Fargo and escalated my complaint all the way up to Case Management / Executive Office, but they refused to reinstate rewards, let me use them or transfer them to a family account for future use.
Product: Checking or savings account

I have has fraud on my account this entire year now that I look back over my online banking statements. 
In XXXX I received a fraudulent toll statement from the XXXX. I tried to contact them with no luck so I scanned the QR code that was on the receipt, at that time it opened up my apple wallet on my phone and all my cards and banking accounts were used in fraudulent transactions. 
The bank ( Truist ) refunded a portion of my money back after about 45 days of fighting with them and requesting updated information on the investigation and requesting a chargeback to my account which was denied. 
It has caused my credit score to drop tremendously because I have been unable to pay my bills. 
I am XXXX and the only income I have is my SSDI and I am raising XXXX grandchildren alone. 
In XX/XX/2023 I lost my husband to XXXX 5 months after being diagnosed. The money {$50000.00} I deposited in my account was to be able to buy a house through the XXXX  XXXX XXXX in XXXX because the rent here is too much for me to pay alone.My husband always took care of our household expenses. 
Now I am about to loose my apartment and everything I own because I am unable to pay my bills. 
In XXXX XXXX I received my SSDI check and my account was supposed to be locked to any withdrawals and or transactions. 
Yes I has an account with Truist Money Reserve that was in arrears like all my other bills because the fraud wiped out my 3 accounts. I had been in contact with Truist Money Reserve about my situation and made arrangements to make a {$200.00} payment on the 3 but they went into my account and withdrew all my money leaving {$350.00} in my account and now I am facing homelessness.
Product: Debt collection

CFPB needs to change the name on this account to reflect my LEGAL NAME. This must include middle initial and suffix! 

I AM NOT XXXX XXXX. 

Nelnet is refusing to show this account paid in full and stop collections on a balance that I do not owe. Great lakes currently shows paid in full like it showed in XXXX, 11 years ago. It showed on the great lakes site along with recent screenshot as paid in full status. I have provided the necessary documentation. 

We do NOT OWE This DEBT. 

No matter how they try to spin this, we do not owe this debt.

Nelnet is also refusing to acknowledge they did not have the correct name on the account and per US Code for compliance, should be removed from my credit report. 

They are saying the balance was transferred in XX/XX/XXXX as the form letter shows. 

Great lakes showed paid in full, 11 years ago and recently, paid in full- discharged. NOT TRANSFERRED. Screenshot attached again. 

HOW CAN A BALANCE BE TRANSFERRED WHEN IT SHOWED PAID IN FULL 11 YEARS AGO, NO COMMUNICATIONS, NO STATEMENTS, NOTHING FOR 11 YEARS then the post COVID ILLEGAL DATA XXXX  SHOWED ON OUR CREDIT REPORT AS OWING ON XX/XX/XXXX. Now they won't stop sending mailing that I owe this debt which is blatant illegal collection practices and fraud. 

You can't collect on a debt that was discharged and showed Paid in Full 11 years ago on their website and again as of XX/XX/XXXX when supposedly this debt was transferred Nelnet is in direct violation of FCRA and US Code for Compliance by refusing to acknowledge the paid in full status and reporting and trying to collect on a debt owed that is NOT owed. Also reporting under the wrong legal name.

THIS IS NOT MY DEBT! 

Most recent letter response : Dear XXXX, We are writing in response to the inquiry you submitted to the Consumer Financial Protection Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S.

Department of Education ( ED ). We take your concerns seriously and appreciate the opportunity to respond. 
As we understand it, you assert that your loans were paid in full in XXXX, however, they are currently reflecting an active balance. You are requesting that we update the account to reflect paid in full. 
We addressed similar concerns in our enclosed response dated XX/XX/XXXX that also included our XX/XX/XXXX response. We advised that ED authorized the transfer of your loans from Great Lakes Educational Loan Services Inc. ( GLELSI ) to Nelnet on XX/XX/XXXX, to be repaid. 
Following the transfer of your loans the tradelines associated with your GLELSI account were updated to reflect a {$0.00} with GLELSI, this does not indicate that your loans have been paid in full or discharged. 
If you have any other questions, you may call us at XXXX from XXXX XXXX. to XXXX XXXX  ( XXXX ) Monday, XXXX XXXX to XXXX XXXX. Tuesday and Wednesday, and XXXX XXXX. to XXXX XXXX. Thursday and Friday. You can also email XXXX or visit XXXX. 
Sincerely, XXXX XXXX. 
Nelnet XXXX : XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Account # XXXX, CXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

i just retired from the XXXX how can i have a medical bill of any kind when XXXX pays XXXX % for me and the family XXXX. my insurance is still XXXX and the VA. Could some one please explain, this does not belong to me. Thank you for all your help.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion due to XXXX  XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to XXXX, Equifax, and XXXX. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXXXXXX XXXX disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Product: Debt collection

Portfolio recovery has been calling since 2014 from many different Phone numbers they are harrassing rude etc they start at XXXX and end after XXXX with many as 15 calls a day They wo n't send a bill so I can make payments they wo n't accept what I can pay they demand I give them access to my checking account to bill me monthly stating this is the only way they will take any payments. No matter what you tell them they say they ca n't work with you unless it 's on their terms of payments These phone calls are almost every single day. I told them to quit calling me since they wo n't accept what i can pay them but they still call every day several times a day from different phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX, my XXXX 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called XXXX 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, XXXX 's advised me that they would be " XXXX '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with Equifax and when I received the findings, Equifax concluded that XXXX XXXX was " reporting the information correctly ''. Funnily enough, XXXX 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the Equifax representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Product: Debt collection

I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and Medicare XXXX XXXX XXXX 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.