23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted Bank of America about a fraudulent charge on XX/XX/2022. The charge originally posted for {$1000.00} on XX/XX/2022. 

I have told them it was fraudulent and they will not reverse the transaction. I have sent in all documentation required.
Product: Debt collection

I received a debt collection notice from Gurstel Law Firm, on XX/XX/2023.

I sent a Validation dispute letter, certified mail on XX/XX/2023. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/2023. The contents had nothing I requested
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, Equifax to remove these inquiries and all attempts failed.
Product: Payday loan, title loan, or personal loan

Payday Loans are illegal in the state of Arizona. 
I had no idea the interest rate would be phenomenal. 
How can they report to credit bureaus if they are functioning illegally?
Product: Debt collection

Sequium Asset Solution LLC Date XX/XX/2020 I only received only one collection letter on this date. 

I have called 3 different times and sent a letter to them to dispute a collection amount that was not correct and found out as of today Monday XX/XX/2020 to a credit reporting Agency
Product: Debt collection

I see this company on my credit and I don't know who this debt belongs to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to Experian about incorrect information on my credit report. I sent the documents certified mail. I received a letter from the XX/XX/23 that stated they would not go forward with my investigation because they didn't think it was me that authorized the letters. I called the Experian on XX/XX/23 and told them I have full knowledge of the letters because I sent them in and I want to go forward with the investigation. I waited a couple of days and called them back XX/XX/23. They told me that they had not received my documents. I told them I sent the letters in certified and I could verify the letters were delivered. The representee then told me she still could not find my information and that I had gotten the response from them in the mail because they didn't think I sent the letters in but also told me because I received that response from them that any information or documents I sent mail was discarded. Wow had me in and uproar, certified mail is expensive. She then gave me information to an upload portal { www.experianXXXX XXXX and had me upload my letters again. I was so frustrated because I knew they received the letters. I called today XX/XX/23 to check the status of my investigation. Before I got to speak with the representative XXXX I was hung up on three different times. XXXX then told me the original documents that I sent in certified mail were there from the beginning and she didn't know why the former rep would tell me otherwise and also told me that the investigation has not been started yet. As a consumer I'm so disappointed in how Experian is handling my investigation. I am considering getting my attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for an auto loan XXXX and was denied because i had a frozen credit at XXXX  and did get approved for a loan. My credit score for the 3 credit agencies run about XXXX. Then apparently a company named SageStream , LLC gave me a XXXX score? My issue is who are they and why do they have my person information? I am unaware that there is another or a new credit agency. I tried to call them but was unable to talk to an actual human. ( im sure by design ). I do not want to deal with them in the future and to freeze my credit with them I need to give the my personal data along with personal documents? please explain why this i happening? I have not given them any permission to handle my personal info and grade my credit score. Please turn them off! Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken.

I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my report. 

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 was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

According to the Gramm-Leach-Bliley Act and 15 U.S.C. 6801, my nonpublic personal information such as ( Name, Address, Birth Date, Account Number ) should not have been disclosed to any unaffiliated third party without my consent.
Product: Debt collection

This Fraudulent Collection Company FAIR COLLECTIONS AND OUT and the associated Account is Violating my Consumer Rights and Federal Law under the FCRA and FDCPA. This Collection Account is NOT MINE nor did I ever sign any contract or documentation with this company. I have NEVER given authorization or consent for this Illegal Collection company to access my Private Information or Consumer Report. I have NO KNOWLEDGE of this company or this fraudulent account reporting on my Credit Report, and this is violating my rights and needs to be DELETED/REMOVED immediately. This collection company FAIR COLLECTIONS AND OUT, has illegally purchased and breached my private information without my consent and is attempting to collect on a debt that is NOT MINE and has NEVER BEEN VERIFIED as mine. This Collection Company and Account is damaging my Consumer Profile and Worthiness with a fraudulent account and this collection MUST BE DELETED immediately as per Federal Law.
Product: Mortgage

seller is deceased and heirs put property up for sale. The property is encumbered with  XXXX  mortgages and the  XXXX  is being paid in full. The  XXXX  approved a short sale on the property and when we requested the payoff on the  XXXX  we were unable to get the figures from the lender. The lender is foreclosing on the property  XXXX  and we have an offer that can close later in the week with a full payoff including all attorneys fees. We are trying to get a postponement on the foreclosure so we can settle the new buyer and payoff the entire balance. I contacted the law firm conducting the sale and they claimed that they have notified the servicer but that they are not obligated to even acknowledge the request.
Product: Checking or savings account

I made a large deposit through the ATM at the regions bank on XXXX  XXXX XXXX in XXXX ms . It was not credited to my account so I made a claim with the bank, it got denied, I made another complaint with the bank it has been denied. I have included a receipt where I borrowed the money from my grandfather, a receipt I printed out after making the deposit when I did not receive a deposit from the ATM and a copy of the second claim letter.
Product: Credit reporting or other personal consumer reports

Payment history is transaction history, which per 15 USC 1681a ( 2 ) speaks on exclusions from the consumer report. It states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of my consumer rights! Per USC 1681b speaks on permissible purposes of the consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, THE CONSUMER, MUST GIVE WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT WHICH I DID NOT GIVE ANY CONSENT TO FURNISH ANYTHING ON MY REPORT, WHICH MEAN THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. According to the Privacy Act of 1974 the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, AND CRIMINAL OR EMPLOYMENT HISTORY AND THAT CONTAINS HIS NAME, OR IDENTIFYING NUMBER, SYMBOL, OR OTHER INDENTIFYING PARTICULAR ASSIGNED TO THE INDIVIDUAL. Section B talks about Conditions of Disclosure which again I THE CONSUMER MUST GIVE WRITTEN CONSENT. Furthermore, per the IRS Publication a charge off is considered a certificate of indebtness which makes it income. INCOME CAN NOT BE FURNISHED ON A CONSUMER REPORT AND MUST BE DELETED. The failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, Equifax and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, Equifax and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, Equifax and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, Equifax and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, Equifax and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this complaint about my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect and need to be correctedXXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

My XXXX son was in a car accident on XX/XX/2023 He was admitted to XXXX XXXX XXXX and stayed for 76 days. The first {$10000.00} of the bills were covered by my insurance ( XXXX ), and I have received a letter of XXXX XXXX XXXX from them. The driver who rear ended my son -- XXXX XXXX XXXX XXXX -- -had no XXXX protection coverage. I have XXXX  XXXX ( XXXX ) health insurance coverage from my job as a XXXX. I have a {$6000.00} out-of-pocket maximum for the year, but in XXXX, I paid over {$12000.00} in copays. XXXX XXXX, a XXXX group with XXXX XXXX, billed my car insurance and then my medical coverage, but the claim was denied. They sent the bill to collections with Preferred CMS, who refused to stop calling. I contacted XXXX XXXX, who said they needed conformation that the claim was being reprocessed. On XX/XX/20, I spoke with a representative from XXXX, conformation code XXXX, who reprocessed the claim and said give it a week. XXXX XXXX has assured me that collection efforts would stop if the claim was reprocessed, but onXX/XX/224, I received another call. When I returned it, I spoke with a " XXXX XXXX '' who insisted that I needed to make payment arrangements. She would not let me speak and explain my case, so I emailed them and requested that they no longer contact me about this debt that I do not owe. I provided them with a phone number to XXXX and a representative 's name.
Product: Checking or savings account

Hi, Before BB & T merged I attempted to close my account with them. For several months, fees are being charged and I would like for the account to be closed and the funds to be sent to my address XXXX XXXX XXXX, XXXX, Florida XXXX.
Product: Debt collection

Amsher colllectioms services, placed XXXX XXXX  collection onto my credit reports state I owed a debt to XXXX XXXX  I have no knowledge of the debt. I requested a debt validation never received
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name at XXXX. I informed Experian of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and Experian keeps reporting it and affecting my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to XXXX and Experian notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. XXXX received the letter on XX/XX/2018and Experian received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 XXXX  and Experian have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
Product: Debt collection

I sent a dispute asking Convergent to verify this debt. I was looking to receive a signed consumer contract stating I indeed owe this debt. I received an old billing statement.
Product: Debt collection

I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the company Citibank in regards to a fraudulent account issued in my name. They have been made aware that the account is not my account but have still decided to keep this account on my report, damaging my score for no reason at all. This is impacting my financial health, and causing me stress that is unbearable. How can I further escalate this issue? I have filed a police report here in my county in regard to this issue, and I am willing to have this resolved  in court if it's necessary. I will not fall victim to this type of crime. This is unjust and unfair. Someone had a card mailed to my home without my consent, which really makes me uncomfortable. Knowing someone can easily go into my mailbox and take something that they created with my identity. 

I never even phyisacally signed for a card, so how was it even issued in my name? 
Can i have physical proof that my signature was used to get this card?
Product: Debt collection

On XXXX XX/XX/XXXX, one letter was sent to Midland Credit Management ( MCM ) in XXXX, MI to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/XXXX and signed for by a XXXX XXXX. I have received a response from MCM dated XXXX XX/XX/XXXX as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). Even though I received this information, there wasn't any information that would verify debt. The information received are working documents. There is no wet signature document to verify that I have applied or owned that debt. They are reporting the debt as continuously late up through XX/XX/XXXX ; however, their own documents show that the debt was charged-off in XXXX. How can a debt be late if the account was charged off, which means it was closed? They are reporting as if I opened the account with them. Even the information reported between the three bureaus changes.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - Contacted Experian regarding XXXX items to be disputed on my credit report. XXXX XXXX my credit report does not exist! I asked to speak to a supervisor and none were provided. I called XXXX times and was sent to an automated system that will only allow me to request my report with an AI machine or by mail.
Product: Debt collection

XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.
Product: Credit card

I booked a hotel room online with XXXX on XXXX/XXXX/16. I went into the hotel and was told I did not have a reservation and that the hotel was booked. I called XXXX 2 times that day and could not get through because of call volume. I called Elan XXXX and was told to try again. I called XXXX on XXXX/XXXX/16 and no one answered. I called XXXX and told them. On XXXX/XXXX/16 I disputed the charge. 
On XXXX/XXXX/16 I received an email from XXXX apologizing so I thought the matter was settled.I received a letter from XXXX on XXXX/XXXX/16 telling me they were charging me back. On XXXX/XXXX/16 I sent more information to XXXX and called to verify that they had received my fax and would reopen my case. I called XXXX on XXXX/XXXX/16 and was told by XXXX at claim support that he would fax me a letter to fill out and that is why I have not seen the credit on my bill. I would receive the letter by fax or mail by the following Wednesday. I called on XXXX/XXXX/16 and talked to XXXX at claim support and she did n't know why I was told that. She was sending a note to my case worker.to reopen the case.on XXXX/XXXX/16 I called and request that they reopen my case. I talked to XXXX. I called on XXXX/XXXX/16 because the charge was still on my bill this time I was told by XXXX the Specialist supervisor that the time has expired and nothing can be done.Sorry! This is my XXXX company that I have had for years. They were not helpful at all. Clearly I would not have booked another hotel that was more expensive on the same date. I should n't be held responsibe because XXXX and XXXX made it impossible to get in touch with them.
Product: Student loan

I asked for an audit done on my federal student loan accounts with navient two weeks ago. I asked for the audit because of recent events and because I can not see on any statement how interest is applied to my account. I can see an interest rate and simply that there is interest being applied for each loan. When I asked for an amortization calendar, they refused to provide it and gave me a calculation to show how interest should be applied. What is so infuriating is that I know that any other type of loan would show me specifically how interest is applied month over month ( mortgage, credit card, auto loan, etc ). What makes it okay to take advantage of young people coming out of college? 

An additional concern is that in the past I could apply extra funds in my payments to specific loans within my account. This is n't the case anymore. Whatever lump sum i pay in addition to my bill is distributed by them, so I literally have no idea how that money is applied. They say it 's applied to fees first, then interest, then principle. They have never provided a statement of those payments after I made them though, so it is unknown how much is being paid where and if I 'm paying future interest charges or if I 'm taking care of my principle. 

Please hold them accountable to do the right thing. I work for a financial institution and have been lucky enough to have a good job with great pay, and I 'm still watching my student loans not go anywhere. I 've only been out of school for 6 years and the tax protections for writing off student loan interest do n't apply to me because of my income level, yet, I ca n't seem to make dents into my student loans. 

Please help me get information on my loans and audit navient to ensure they are applying payments correctly.
Product: Credit reporting 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 15 USC 1681. 
Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX : Account name : XXXX  XXXX XXXX*** Account name XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX has 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.