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

I was issued a 1099c for three ( 3 ) charged off credit cards, XXXX XXXX, XXXX XXXX and XXXX XXXX, however my Equifax credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both XXXX XXXX  over six or more times and still no resolve. I have also attempted to dispute this via Equifax over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with Equifax and how my information have been reported currently. Equifax have also been rude and belligerent towards me in my attempt via phone
Product: Debt collection

Medicredit calls me almost weekly. I have spoken to them every single time. They told me I owe {$45.00} for a doctor I had 100 % coverage with, and told them as long as the office billed it correctly, I shouldnt owe anything. I asked for a breakdown of charges and they couldnt give them to me, in fact, they gave me incorrect info and said its because the doctors out of network. Thats not true ; I went to this doctor several times. Its a copay amount that they didnt charge me at the visit because I always had 100 % coverageso someone billed something incorrectly after the fact. I have told medicredit this several times and told them I have to go now call an old insurance company, and my old doctors office who is in a state I dont live in anymore and havent for a long time. They called me again tonight, after I told the last representative the week or so prior, that I need time to look into this. The guy who called me prior to her, called around thanksgiving when I wasnt even home. I told him the same thing, and I told him I dont want anymore repeated calls, and I will contact them when I have more information. I also told him it wont be that week because of holidays. And I told him I may not even be this month that I get an answer. When they called me again tonight, I missed it and called them right back. The first woman hung up on me while I was providing my name and DOB. The second woman said its policy to keep calling people even if they have already spoken with them. She said she would add me to the do not call list, but Ive expressed more than once now that I dont want anymore repeated calls. Im busy! I am working on it! I am not going to pay a copay that I know wasnt supposed to be charged to begin with! I am taking my personal time to deal with this and I no longer live in that state, no longer go to that doctor, and no longer have that insurance. So I have to literally chase down something from almost 2 years ago.
Product: Credit card or prepaid card

I have several accounts with Synchrony and have always had a great payment and usage history. A little over a year ago, my wife and i purchased a home for our family. With a new house, comes increased expense so I have put some expenses on credit cards ; however, I have maintained great payment history. My usage has just gone up. I havent been late on my other credit cards either. Over the last year, despite on time payments, synchrony has continued to lower limits and even close some cards. While I understand they have a business to protect, they do not inform their customers prior to reporting to the XXXX agencies and it just causes a snow ball effect. Synchrony had no problem raising my limits before I purchased a house. They also have no problems sending emails reminding of available credit encouraging me to use my credit, only to punish me when I do. One of the reasons for their actions was Not paid enough on real estate loan. I put 20 % down ( $ XXXX ) and have plenty of equity. I always pay more on my house and usually pay more on my credit cards. My salary has also increased by over 25 % over the last year as well. The credit scoring system is antiquated and appears to be designed to only reward those that are wealthy.
Product: Debt collection

The California Business Bureau , Inc. contacted me on XXXX saying I owed {$15000.00} with interest for a debt. 

On XX/XX/year>, I submitted a request for proof of burden via their website as well as sent a certified letter by mail on XX/XX/year>, in which they received XX/XX/year>. To which they never responded. 

I than further received additional collections letters on XX/XX/XXXX and on XX/XX/XXXX but this time showing the debt was now {$15000.00}. Still no confirmation or information on proof that this debt was actually mine. Violating the terms of the terms of the Fair Debt Collection Practices Act by continuing to collect alleged debt with no proof of burden that was requested. 

Additionally myself and my spouse received two phones calls on XX/XX/year>, both in direct violation of the The Fair Debt Collection Practices Act, in which I have phone records that the collections agency did not identify themselves. 

On XX/XX/year> I sent a final communications letter to them notifying them that I would be filing a complaint for their unlawful behavior and to cease all further communications with me in the matter of collecting the alleged debt.
Product: Debt collection

Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent TransUnion a copy of my Police Report & FTC report. Included in the report shows that I have been a victim of identity theft. XXXX is one of the accounts. According to FCRA 605B they are to block item within 5 days instead they placed it under a 30 day dispute.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and noticed inaccurate status and late payments for XXXX XXXX Account Number XXXX reported as 60 days past due in XX/XX/year>. I have never been late on this account and per 15 USC 1666 ( B ) and 15 USC 1637 a ( a ) reporting a payment as late is impermissible under any circumstances. Furthermore, according to 15 USC 16819 ( B ) consent from the consumer is require before furnishing information on their behalf which to date I have not granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Credit Bureau Services was contacted in regards to notice received in mail. Notice received in mail was in regards to collection in amount of {$360.00}. Upon contacting Credit Bureau Services, a collection agency representative notified me of the attempt to collect a debt on behalf of a company. I asked if the account was already reported to the credit bureaus. I was told no. I asked if I paid in full would the account be reported to the credit bureaus. I was told no. I provided payment information for the aforementioned amount in full. The full amount was debited from my account 3 days afterwards. 
XX/XX/XXXX Credit Bureau Services was contacted in regards to collection account showing on XXXX  credit report despite having paid in full and being told they would not report if payment was paid in full. Representatives of Credit Bureau Services retracted their original statement that they would not report on my credit after paying in full. Instead, Credit Bureau Services then told me that they report regardless, even if the amount is paid in full. I was told they went back to listen to the call made between myself and the representative. I was told I did ask whether or not it would be reported. I was told the representative explained to me that it would be reported anyway. Despite contesting this claim, I asked if I could hear the recording and was denied. I was told Credit Bureau Services reports in the middle of the month and that they specifically reported to the credit bureaus on XX/XX/XXXX. I asked again, if I paid in full prior to the reporting date, why did they go forward with reporting. I was told it is their policy.
Product: Credit card or prepaid card

Fraudulent charges in the amounts of, {$800.00} approximate total Refer to BofA claim # XXXX Posted to my account EDD prepaid debit card. I immediately notified Bank of America so that they could close the account to prevent further charges and so they could research and refund the funds. I answered all questions the representative asked during the conversation. I was told it would take 10 business days to resolve. As I didnt hear anything after 10 days I called for status. I was told that the research had been completed and it was found that the pin was present for the fraudulent transactions. As such, they could not prove it was fraud and the funds would not be returned to me. I reiterated that I did not make the charges, nor had I been in the city ( XXXX, CA ) where it occurred in years as it is XXXX hours away from my residence. They held firm that I would not be receiving the funds back. 
A pin and card number can be stolen at an ATM using a skimmer. Im sure there are other ways as well. Claim # XXXX. Can you please assist us in having the bank do research at the same level they would if this was not a prepaid card and they had something to lose as well? {$800.00} loss is devastating for me as I am on XXXX and am now struggling to make ends meet because of some fraudster and a bank that wont help me because its government prepaid money and no loss to them.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year>2024 about the items I

disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed, and they came back without notifying me and this is against the law. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} ; XXXX  XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXXBalance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with Equifax. I let them know these accounts were not reporting accurately. According to the IRS when a account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in regards to the following charged off accounts listed below. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with the charge-off and I had to file the balance XXXX  XXXX {$3500.00}, XXXX XXXX {$2000.00} and XXXX XXXX XXXX XXXX XXXX as income on my taxes. These accounts can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX part. Delete these accounts from my credit report immediately for inaccuracy! 
These accounts are charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Equifax allowed to remain on my credit report. The accounts are not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Equifax told me the the accounts remain with all the inaccuracies. Please delete these accounts effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ), ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate accounts from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 
All three credit bureaus have different dates and amounts for these charged off accounts.
Product: Checking or savings account

HSBC refuses to acknowledge or provide a date when funds of {$10000.00} will be returned to XXXX XXXX on a requested closed account over 5 months ago. The letters provided. are outdated, disconnected and unrelated to the return of funds. 

The first form letter dated XXXX XXXX was addressed to me, but not sent to me directly and received on XXXX via CFPB, mentions processing time takes 60 days. In my case over 120 days have passed with no resolve and no explanation. And for closure, I was told the account was closed sometime in XXXX. The letter provided is so vague with no accountability enabling this saga to go on forever. This letter mentions a check will be sent once closure occurs. Closure of what? 

The second letter brings XXXXXXXX XXXX XXXX into the complaint. HSBC was told in an XXXX conference call that this is an issue better them, HSBC, and XXXX XXXX. They provided the bank action and HSBC accepted the funds. 

The letter from XXXX XXXX in the attachment is all they will provide. If HSBC feels this is important, they need to call XXXX XXXX XXXX to fulfill their Bank-to-Bank requirement and leave out the customer that has no authority in directing the actions of a bank.
Product: Debt collection

do not owe anything to XXXX XXXX XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! Experian has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have filed a FCRA Federal Case against XXXX and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX XXXX left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX XXXX has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT XXXX  TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loans are paid in full/zero balance. This includes DOE XXXX XXXX, Navient ( now XXXX ) and XXXX. The balances are reflected as paid in full/zero balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/zero balance yet XXXX on XX/XX/2022 informed me that Navient ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/zero balance to be removed from my credit report.