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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( XXXX, Experian, and XXXX ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.
Product: Credit card

They charge a late payment of {$24.00} on my card. My credit history is pretty much perfect, from XXXX to XXXX. Still, I didnt receive any notice of a {$24.00} balance on a card o, r I think they sent a statement to the wrong address ; my old address was XXXX years ago, so I wasnt aware of it because I didnt have a static which I think they supposed to send every 30 days before payment is due {$24.00} was on my card to make my points drop XXXX points I did not receive a statement to make me aware that the payment was due for {$24.00} because they sent it to the probably wrong address. I would like them to remove this missed payment. I did not receive a statement to inform me that the payment was due for {$24.00} because they sent the statement to the probably wrong address, this miss payment was XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

After deciding to upgrade my current phone, i applied and was approved for merchant credit in the form of an installment loan. This loan for for an XXXX  XXXX XXXX, through a well known online outlet company in the cellular industry called XXXX XXXX XXXX XXXX XXXX. However, this company has failed to report my account to the credit reporting agencies, now in month three, nothing has shown up, so my payment history is not being included on my credit report. I went through the proper channels to investigate why my payments haven't posted. I was then informed that my account have been submitted for reporting back in XX/XX/2018 but the credit bureau, namely Experian, has failed to investigate and update my account to my profile, which after research, and consulting with a family friend whose an established attorney informed me that this was a direct violation of Fair Credit Reporting Act. This account required a down-payment of {$180.00} after a credit check, a soft check as stated by the representative. And the remaining balance was to be paid over 24 months in the amount of {$29.00} after the initial payment of {$30.00}, the vendor states that they do report to all 3 major credit reporting agencies which typically shows up in 30-45 days. 
Below is Information provided to me from the creditor, my account # is XXXX, balance of device when the loan was opened was {$710.00}, current balance is now {$210.00}, after several on time payments ( 5 in total ) and trading in my old device Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Contact Number and Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Product: Debt collection

recently a collection appeared on my credit report from vericred credit solutions. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.
Product: Checking or savings account

On XX/XX/XXXX I receved an alert that my checking account was overdrawn while I was on vacation. I immedietly looked at the account and noticed what appeard to be a fraudulent ACH withdraw for {$4400.00}. I immedietly notified my Local PNC bank branch and spoke to the managent team who put a hold on my account. At the time the account had less then {$1700.00} in it and the account was overdrawn. I was told I would need to come in to the bank and sign paperwork in person. I was in XXXX  ( I live in XXXX XXXX ) so I did so the following Monday. During that week my business had some receivables come into the account which eventually corrected the negative balance. I opened a new account at that time and was told PNC would be investigating. PNC closed investigation in a couple of days due to the fact I did not report it within 24 hours. I esculated the complaint and received the same response a few weeks later. They said that I could not get my funds back and I was out of luck. Additionally they closed my account and removed my online banking access. When I asked why they would do that and how was I supposed to conduct my accounting without access to the account, they stated it was closed due to " excessive Overdraft ''. PNC Bank has done nothing to assist me at this point. Not only did I lose the money I had in the account, I lost about {$2800.00} more since the ACH transaction was far more than what was in the account. PNC Bank should have never authorized an ACH payment where funds were not available. Additionally I notified PNC bank withing 24 hours of the alert I received, which was apparently past 24 hours of the ACH. I feel PNC bank has the resposnibility for the saftey of my funds. Had I had the money under my bed and a burglar stole it, I would only be out {$1600.00}. Instead I lost money that I did not even have yet simply because I have a checking account. 

Additionally I opened an investigation with the New Jersey State Police Cyber Crimes unit to attempt to get some resolution.
Product: Credit reporting or other personal consumer reports

I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Product: Debt collection

i don't know why they keep sending me a bill for this at XXXX XXXX this was under my bankruptcy stop doing this to me, the account # XXXX that is for XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX  XXXX  # XXXX  Account Name : XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX, XXXX  # XXXX Account Name : XXXX, XXXX  # XXXX Account Name : U.S. Bankruptcy Court # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX Account Name : U.S. Bankruptcy Court # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

ACSI reported an alleged account owed by me to XXXX formally known as XXXX. My first knowledge of this debt was via email that was sent by ACSI. I never provided my email address to ACSI or gave permission for ACSI to email me. Because I am victim of fraud, I responded asking for the original debt validation that was never sent via mail as stated in their attempt to collect this alleged debt sent via email. ACSI ignored my email replies and continued emailing scripted responses and harassing me via telephone. ACSI has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the original date of XX/XX/XXXX ( opening date of XX/XX/XXXX ) by closing the original debt collection account as of XX/XX/XXXX and re-inserting it under a different name ACSIXXXX which a new open date of XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX  and the state attorney 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00}
Product: Student loan

I am currently in the SAVE Plan Forbearance and have been since it was announced. During this time, interest is not supposed to be accruing on the loan balance. I have had interest accruing this entire time and my balance has increased by thousands. 

I believe I have had interest accruing even before this latest round of forbearance, as it has all been insanely confusing the last few years as a student loan borrower. There have been multiple types of forbearance I have been automatically been in, removed from, etc. There has been so much conflicting information on payments, repayments, etc. It is all incredibly frustrating and I believe my balance and accounts are being mishandled against current policy. 

I have attached screenshots that show the balance from XX/XX/XXXX and XX/XX/XXXX where the balance has increased. Note the XXXX balance as XXXX  lower. This all occurred after the SAVE interest halt was announced. These screenshots come from both studentaid.gov and MOHELA. 

Note the MOHELA info shows the interest all at 0 %, yet the balance is increased. 

I have tried to contact MOHELA multiple times but never get through. 

This whole process has felt abusive, cruel, and confusing as a student aid borrower.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Iam requesting the removal of unauthorized credit inquiry/inquiries on my Equifax credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I writing to dispute the following inquiries and asking for their removal from my credit report. From creditors : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are criminal convictions that are over seven years from the disposition date that are still being report on my report
Product: Debt collection

Back in XXXX i was involved in a motorcycle accident. I did have insurance which paid my medical, however several items were not paid due to incorrect coding. As a result they went into collection. They were all for XXXX XXXX XXXX in XXXX Ohio. When they were sent for collection they went to an attorney, They were marked individual but when they were paid it was one lump sum. which we paid to the attorney. I should add that it had gone to court. Because we had moved we never got a notice so there was a judgement, which was paid in full..I have a notice from the court and the attorney that shows it was paid. This was back in XXXX of XXXX. All of a sudden in XXXX of XXXX one of the amounts owing shows up on my credit report {$560.00}. I called HMC which ids the collection agency that now has it and explained to them that it was paid. They disagreed so I filed a dispute with experian.I informed them that I had even contacted alliance hospital which she had trouble locating the debt since the XXXX had turned it over 4 years ago. But she showed no such amount owing. I contacted the attroney 's office who handled this. When this debt was paid the credit bureau was not notified. Since the amount paid did not match any invoice ( as I said, there were 5 different invoices that equaled XXXX which I am sure includes interest ) The hospital said the account was closed. Somehow XXXX of the invoices from this group that amounted to XXXX which is listed on the invoices that were paid. It somehow was shuffled off ( I get the feeling that the hospital was not notified in a timely manner, therefore may have been passed on to someone else for collection. Which I found out had indeed been passed on. Several times over the years. This HMC however decided that after 4 years they would list the debt as owing and all but destroyed my credit. I have asked them to show proof as I did with with XXXX. I faxed XXXX the court document and letter from the attorney that it was paid. All they did was send dispute results back stating that it will remain on my report. Nothing from the hospital, nothing to back up their decision other than what they said. This is horrible, how do these people get away with this. The hospital didn't even know who HMC was as when the original debt was placed in collection, it was through an attorney. Don't they have anything better do do than to ruin the lives of honest hardworking people who are trying to get by. It's a wonder that so many people do things under the wire..trying to do them right is quite obvious to no avail. I have the receipts and court documents showing this was paid. It is actually a few dollars more with the added interest. I have absolutely no confidence or trust in our credit reporting agencies. The seem to have carte blanc in what and how they do things. All I want is for this XXXX that they claim is owing taken off my report. An apology from experian I'm sure is a pipe dream but worth mentioning. I do hope that the CFPB can help get this resolved. 

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

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}
Product: Credit card or prepaid card

Capital One 's two step verification process is nonresponsive and would not send the verification code to the landline phone number I have on file. 

today XX/XX/21 I tried contact customer service regarding the issue and recieved no help whatsoever.
Product: Checking or savings account

I deposited a check on Thursday morning,  XXXX  XX/XX/XXXX . As of today, XX/XX/XXXX   th e funds are still not available. I understand a reasonable hold time  2-3 days, but a week? The check was drawn on a US Brokerage  house and was less than {$1000.00}. The account had never been overdrawn and had been in existence since XX/XX/XXXX  Other banks I deal with would have cleared the check in  two days .
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both XXXX and Equifax the account is late causing problems with my credit score. I want this deleted immediately.