23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to express my frustration with the inadequate customer service I have encountered. The absence of live agents to address urgent issues has made it nearly impossible to resolve problems in a timely manner. I often have to wait days, if not weeks, only to be told that nothing can be done.

This situation is not only inconvenient but also a violation of the Credit Reporting Act, leaving my account unprotected against fraud and other online threats. The ongoing issues have caused me significant financial losses and have created a great deal of stress.

I urge you to take immediate action to improve your customer support and ensure that customers can receive the assistance they need promptly.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Nordstrom/TD Bank account number XXXX XXXX to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, Nordstrom/TD Bank continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines XXXX If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists. 

Requested Action : 1. Investigation & Correction : I request that CFPB investigate Nordstrom/TD Bank for its inaccurate reporting and ensure that the charged-off account reflects a XXXX balance if the debt has been sold or is no longer legally owed to the original creditor. 
XXXX. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting. 
XXXX. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in XXXX despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, the XXXX XXXX account shows on my report that it is late while I have been making all the payment onetime. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  XXXX XXXX show that I have a late payment. this account has been closed and should not have any late payment
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I transferred {$28000.00} from my Bank of America 's checking account to another Bank of America account ( XXXX  XXXX  XXXX  ), not knowing it was a scam call until the next day on XX/XX/2021. Bank of America failed to respond and retrieve my money back from the scammers on time despite the fact that I reported it the next day. It took them 4 days to send me a Scam Victim Acknowledgement form, which took place on XX/XX/2021. I signed and faxed it back to them on the same day. Then they responded back 8 days later on XX/XX/XXXX to tell me that they were not able to recover my funds. I filed a police report on XX/XX/XXXX as well and the XXXX is waiting for Bank of America to respond to the summon/subpoena.
Product: Mortgage

I have recently paid an alleged default of {$4600.00} which Dovenmuehle allege I owe them for missed payments - which I have not - I have attached a summary of my contacts with Dovenmuehle over the last year. My wife and I have decided to pay the amount which we can not afford because of worry about what they will do next. I am dismayed at the treatment we have received from Dovenmuehle in the course of the last year when we have been adversely affected by the pandemic. To their benefit they granted a forbearance period to XX/XX/XXXX but since then the quality of their service and management of my loan can only be described as chaotic causing us distress and upset. 
Please note the following comment which I delivered to Dovenmuehle by way of the secure messaging service on XX/XX/XXXX there is detailed evidence of numerous contacts with the company within their examine secure messaging system -I fully expect you to be shocked and disappointed at the service they have offered in response. I enclose a summary of the events we have suffered at the hands of the company again I would think that you also will be dismayed. 

I am currently in the process of being considered for a Loan Modification Plan concerning my outstanding payments for XX/XX/XXXX, XXXX and XX/XX/XXXX - on phoning the Loss Mitigation Dept on XX/XX/XXXX and speaking to a staff member ID XXXX I have confirmed this request is still pending. 

In agreement with their staff member XXXX on XX/XX/XXXX I paid my mortgage payments for XX/XX/XXXX and XX/XX/XXXX - confirmation numbers XXXX ( {$2500.00} ) and XXXX ( {$2200.00} ). I have also recently paid my mortgage payment of {$2200.00} for the XX/XX/XXXX payment. 

On XXXX XX/XX/XXXX I received a Notice of Default and Cure Letter from your Collection Dept claiming that I had not paid the above payments - which as I have. I note that this letter is dated the following day XX/XX/XXXX after I spoke to XXXX on XX/XX/XXXX as detailed in the previous paragraph. 

On phoning the Collections Department XX/XX/XXXX I was informed that the XXXX and XX/XX/XXXX payments were outstanding but the staff member could see the payments referred to above - it appears that these payments have been allocated to the period which is currently under consideration by the Loan Modification team. 
On XX/XX/XXXX the staff member ID - XXXX of the Loan Mitigation Team informed me that I should ignore the Default and Cure Letter as I am protected under the Loan Modification process - I am less than convinced about this protection hence my contact with your organisation. I will continue to pay my monthly mortgage - next payment due XXXX XX/XX/XXXX - but have asked Dovenmuehle to correct their records to show that I have paid XXXX, XXXX & XX/XX/XXXX payments. 
Finally, I have repeatedly asked their staff in my various phone calls to lift the suspension of the facility to create an automatic payment schedule but to this date I am still unable to instigate this. 
I have lettered Dovenmuehle by registered post this date reflecting the contents of this correspondence to you.
Product: Credit reporting or other personal consumer reports

Credit scores are always low despite paying on time over years and sometimes creditors not able to obtain credit scores ( XXXX ), so the use other agencies with the lower scores are used. Not dropping off collection items that should be off making insurance rates higher. The scores are inaccurate.
Product: Credit card or prepaid card

I have a XXXX credit card with Comenity Capital Bank and my payment is due today. I have been trying for days to pay my bill. I tried to log in I receive a message that my account was closed. I never receive a notice informing me that my account would be closed. I also tried to call and receive a voicemail indicating that they are experiencing a phone outage. This has been going on for days. 

I tried using the XXXX  link but you need your full account number which I can not get into because I am enrolled for online statements. I can not get to them since I can not get into my account online. I tried the chat feature and the virtual assistant kept sending me in circles. This is very frustrating and now I am going to get a late fee because I can not get in contact with anyone to pay my bill. I am being sent in an endless loop with no way out. This is a horrible customer experience. As a result, I am going to get a late fee and I reported late on my bureau. I have an excellent payment history and now to no fault of my own, I am being forced to pay late. I do not know which way to turn. They did not even send me a letter or an email on the account closure or instructions on how to pay my balance going forward. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Numerous times that Equifax remove unauthorized inquires on my credit report, I have gotten generic letters sent back stating they basically wont delete. 
The mortgage inquires- I never allowed my account to be ran my mother in law was going to sign on a house not anything to do with me, I knew at the time I was no where near reading to apply. 
XXXX, my fiance has an account with them, I NEVER put my social down for them to run, the only thing associated to me was my debit card for a down payment for his account to be opened- XXXXl XXXX I did not authorize XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Capital One Auto Finance in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, Capital One sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now Capital One and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling Capital One Auto Finance and getting nowhere and being continuously hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The item below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX  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 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 item 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.
Product: Credit card or prepaid card

I made an attempt to get my due date changed because even after I pay my total bill at the beginning of the month, Im still getting a late fee. I noticed that my interest rate is going up every other month. Before XXXX took over XXXX XXXX, I didnt have a problem with bi-monthly increasing rates. I explained to them that Im on a pension and wont be able to make payments if my interest rate continue to increase every other month. I also explained to them that when XXXX XXXX had the account there were no increases in my interest rate every other month. After explaining to them about my 2 issues of changing the due date and giving me a fixed rate, they said they could not help me. So Im here trying to get a resolve.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once
Product: Debt collection

I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a  collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Ex perian reuses to give me written explanation as to WHY what was exact reason EXPERIA REMOVED  XXXX   XXXX  from my report. It appears to me that every complain I make Experian intestinally causes me more harm. I will consider this a willful act to cause me harm. I am seeking legal advice.   XXXX  Please post this and forward to FTC.
Product: Debt collection

Upon review of my credit reports with XXXX XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/2020 ) with the three credit bureaus. XXXX deleted said account. XXXX  and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail on XX/XX/2020, claiming that they had completed their investigation and determined the debt to be valid, attaching only a billing statement as proof. I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/2020, asking them to validate this debt with viable evidence bearing my signature, and they have failed to do so. 

Their subsequent responses have included, again, billing/account statements, and most recently, a copy of a document with a signature on it. However, I have never seen this document before, and can not determine 100 % whether or not it is authentic or if it contains my signature. It seems that Portfolio Recovery Associates, LLC is trying to take advantage of consumers ignorance by trying to collect and report debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request the removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Student loan

I was approximately contacted by Higher Level Processing Inc. sometime in XXXX XXXX XXXX. I was told that I good pay like {$1500.00} total ( give or take ) and my student loans would be wiped off my credit. I asked SEVERAL times about the credit and the {$1500.00} and was told the same thing every time. I have since stopped my payments as they won't listen to me when I say I want to cancel or discontinue their service as I have found that they are not allowed to do this according to law. I have asked for all my money back and they have refused. I have checked the XXXX  and they are NOT accredited and have SEVERAL complaints. I have the email that they sent me on ALL the charges. I am asking for every bit of it to be returned. I am also going to state that they got into my student loan account and changed my password and my address to their address located at the bottom of the email. I also received a TON of emails and texts asking me to update my payment method to continue even though they sent me an email saying that I was so no longer with them. The total amount taken before I stopped payments was : {$1500.00}, all of which I want returned. 

Any further questions regarding your membership fee of {$35.00}, please call Billing direct line XXXX. 
Any questions regarding your loans, or forgiveness program, contact Customer Service direct XXXX. 

Date Due Pmt # Amount Type XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee Billing Department Higher Level Processing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX T : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from ARSI, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.
Product: Student loan

All XXXX XXXX loans, mine included, were XXXX by federal court. Mohela knowingly reinstated and consolidated the XXXX loans. They have never leant me money or paid off any student loan ( XXXX ) in my name in order to consolidate them. The loans were XXXX before they reinstated and consolidate them under false pretense. I was told my loans had to be consolidated in order to qualify to be forgiven by a certain date. This was a lie.They were told not to proceed during the application process and did so anyway. Theyre trying to collect money theyve never lent out. When they were originally caught and reported, they deleted the loans and then reinstated them again. This has to stop, its fraudulent. Theyre currently under investigation and at risk of losing their contract handling federal student loans for this exact reason. I want this fraudulent account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Informed Bank of America and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.