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

Subject : Notice Regarding Inaccurate Reporting of Charge-Off I am writing to address an issue regarding the inaccurate reporting of my account to the credit reporting agencies. Specifically, you have furnished information on my account to XXXX, listing it as both a charge-off and a collection. 
Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, the Congressional findings emphasize the need for accuracy and fairness in credit reporting. The financial system relies on this accuracy to maintain public confidence and ensure its continued efficient operation.

According to established definitions, an account can not be classified as both a charge-off and a collection simultaneously. A charge-off represents a canceled debt, which should result in the issuance of a Form

1099-C to the consumer. It is legally questionable to pursue collection on a debt that has already been canceled. Reporting such accounts as both a charge-off and a collection constitutes tax fraud and will be reported to the IRS via Form 3949-A. You have violated the FCRA by furnishing this account information inaccurately. According to 15 USC 1681e ( b ), consumer reporting age
ncies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccuracies in your reporting have negatively impacted my creditworthiness, credit standing, and overall reputation.

Furthermore, under 15 USC 1681s-2, furnishers of information are legally obligated to ensure that the information they provide to credit reporting agencies is accurate. It is prohibited to report information that you know or have reasonable cause to believe is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One was sent several letters, requesting account verification, status, and and investigation into this account stating it was in a ( collection/charge off status/included bankruptcy. I have received a correspondence from them stating that the information requested could not be provided as allowed by law. According to the Fair credit Billing Act and FCRA15 U.S. Code 1681i requiring compliance, then the negative information must be deleted and the account being reported to the bureaus reflected. According to the FCRA 15 U.S. Code 1681e ( b ). Capital One must maintain 100 % accuracy whenever it reports. Duty to provide notice of dispute. My consumer report shows that my account was included in a bankruptcy. Capital One was requested to provide all documentation from a court with all information leading me to believe that is account was included in a bankruptcy. The information requested included, all documents with my signature, account number, and capital One 's complete information regarding being included in a bankruptcy. This company has also had a recent data breach in which it failed to notify me that my personal information may have been compromised. This is also a FCRA violation for failing to protect consumer privacy data.
Product: Debt collection

On XXXX XXXX MS Services LLC Collections started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. MS Services purchased my personal information from XXXX XXXX XXXX XXXX Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
Product: Debt collection

They called my wife and sent an email to me. They called me and didnt say what company they were with or say they were collecting a debt!
Product: Debt collection

XXXX XXXX, XXXXTo Whom It May Concern, I did not receive notice of my right to dispute a bill nor did I receive proper notice that I owe a debt before it was sent to collections. 

I went to XXXX in the XX/XX/XXXX seeking medical attention. The staff there informed me that after viewing my insurance the matter would be taken care of by my insurance company. Even after I called and the person on the phone assured me the visit would be no more than {$100.00}. 

In XXXX of XXXX I received notice from the Bonneville collection agency that I had an outstanding debt. The debtor was unrecognizable to me because I had not gone to the doctor in over a year and I did not recognize the name, XXXX. So I thought it was a scam. 

After receiving another notice and about XXXX strange phone calls I called to ask who they were and why they were bothering me. That 's when I was informed of a bill from XXXX. I asked XXXX to send me documentation. They sent a bill dated XXXX XXXX, XXXX. That 's all they had. 

Then I called XXXX to ask why was n't I notified of a bill so I could pay or dispute it? I also asked them to send me verification that they attempted contact me or submitted this information to my insurance company and also, why was this bill so high? 

XXXX simply sent me the same XXXX XXXX, XXXX bill that Bonneville Collections had sent me. They had no more documentation.. 

I have since spoke with and written emails to XXXX, XXXX, XXXX, /Mercedes, and XXXX at XXXX asking them to withdraw this Debt from the collections agency and give me time & proof that this is a legitimate bill. I have been ignored. 
Since this business has chosen to ignore me and my plea for assistance would you please intervene? 

Sincerely,
Product: Checking or savings account

Charged by two separate entities and was told there was nothing they could do. Called immediately after my notifications of charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare We have never been late on a payment. They have had money sitting in our escrow for years now and keep reporting us late on credit bureau. Never refunded our money or applied. They have never fixed on our credit report either. Showing 20 late payments, when we have never been late.
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. 

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 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 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 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 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 following items 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 accurate.
Product: Credit reporting or other personal consumer reports

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction. 

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within XXXX days from the receipt of this letter. 

Incorrect Information Requiring Correction : XXXX. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. 
In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA XXXX XXXX. XXXX, Experian is required to investigate and correct any inaccurate information within XXXX  days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all XXXX major credit bureaus XXXX, XXXX, and Experian that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
XXXX and XXXX reporting a high balance of {$1500.00}, and Experian is reporting a high balance of {$1500.00} which is different from XXXX and XXXX. 
Balance owed XXXX and XXXX reporting {$1600.00}, and Experian is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and XXXX are different from Experian. 
Date of last activity for XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Experian date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. XXXX and Experian account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me XXXX XXXX XXXX due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX -- XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX Experian Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with XXXX and XXXX and no results. It did get removed from XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$27000.00} 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

Around the beginning to mid XX/XX/2023 I received a letter from Harris & Harris Limited. Its an attempt to collect a debt they claim I owed to XXXXXXXX XXXX  in the amount of {$89.00}. There is no date on the letter. The letter states that if I dispute it I have to contact all kinds of people and jump through all kinds of hoops. I dont have to prove anything. If they claim I owe the debt they need to prove it not me. I am not jumping through any of their hoops because I know for 100 % positive I do not owe XXXX XXXX any money. I have a good relationship with them and I have a XXXX balance I havent even been to their office in several years. 
When I tried to contact Harris and Harris and advised them that it was fraud, they hung up on me. I called back again and notified them that I was filing complaint and they hung up on me again. Nothing on their letter is accurate or true with the exception of my name and address.
Product: Checking or savings account

I was supposed to receive a direct deposit of {$500.00} from my employer Thursday early morning and the deposit never came through. The employer did send out the deposit, because my paycheck is split in between XXXX bank accounts and the other bank account received the money, but I did not get anything in Capital 1. At around XXXX last night Capital 1 sent an email saying the issue will be fixed by XXXX  morning, but as of XXXX  XXXX ( XXXX ) there are no funds deposited into the account. I have tried contacting Capital 1 and they could not answer as to what is going on.
Product: Checking or savings account

On XXXX I was traveling home from XXXX  to XXXX and started having car trouble. Had to call a tow company and book a hotel as my XXXX kids and I were stranded. Shortly after Chime closed my account with no explanation with over {$800.00} in it. Now Im in a city I know nothing about with my XXXX children and we all have Covid with no money source. I tried calling but the automated system wouldnt let me get pass to speak to a representative. I emailed them 5 times with just a general response received twice! Still no explanation as to why or will they send me a check via mail. My rent is past due, I have no funds and chime wont even give me my funds back or an answer. Ive been with them over 3 years with no prior issues. I receive my child support payments and ctc funds via this account. Ive emailed them my picture ID, my social and a bill assuming that will fix the issue. Still no response!
Product: Credit card or prepaid card

Citibank is engaging in deceptive business practices, allowing vendor 's, merchants to place reoccurring charges on the consumer credit card without the consumer knowledge or consent. 

Each time I had to reach out to Citibank for reoccurring charges the only remedies provided is the consumer having to closed out existing card and open a new card.
I had to change cards ( 4 ) times in the last year due to Citibank allowing vendors merchants to access and charge my account at will and without my consent.
Citibank is claiming that if the merchant claims membership or some sort of dues they have the right to submit authorization for reoccurring charges without any documentation or consumer signature authorizing said reoccurring transactions.
The consumer is under the impression that only authorization provided is for a one time charge neither the vendors, merchants or Citibank is disclosing reoccurring charges were set-up allowing unauthorized charges to be placed on the consumers account and Citibank making monies off the additional interest charged.
Product: Credit card or prepaid card

My purse was stolen leaving a grocery store on XX/XX/XXXX. I called Bank of America to report this on XX/XX/XXXX. My credit card had been used several hours after it was stolen in the middle of the night at a local XXXX for {$310.00}. I filed a report with XXXX NC Police Department. The detective investigating the theft is XXXX XXXX, case # XXXX. On XX/XX/XXXX, I received an email from Bank of America issuing a temporary credit for the amount of {$310.00}. 

On XX/XX/XXXX, I received an XXXX XXXX. phone call. By the time I could get to the phone downstairs, the caller was gone and there was a message saying they they were not paying the claim. No way to call back. I also received an email denying my claim which stated " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I did not ALLOW anyone to use my card. I called Detective XXXX and he said they should not be charging me and asked for their phone number. I wrote Bank of America on XX/XX/XXXX and send the attached letter registered mail. I received an email reply saying I would hear from them in the near future. I did not hear from them. I called the number on the email XXXX and explained the situation to XXXX in Texas. He said to deduct the amount from my bill and pay the rest which is what I did. I thought I was talking to someone in the fraud department but realize now after talking to XXXX XXXX that it was a call center. 

I also went to a local branch of Bank of America to try to talk to a person but they told me that they do not handle anything to do with credit cards and gave me an XXXX  number to call. 

The charge was still there on my XX/XX/XXXX statement. I called again. This time I spoke with XXXX in TN. She said she was not allowed to connect me with an investigator but that she would have them call me back. No one has ever called me back. 

This brought me to your website. I went through several pages of claims on your website, many for Bank of America, some very similar to mine. I have been a customer of Bank of America for XXXX  years and I felt safe with them as they have had such good customer service in the past. I am very surprised and disappointed in the way this has been handled. I am retired and living on social security. I hope you can help me.
Product: Credit reporting or other personal consumer reports

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim.

They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to XXXX   PORTFOLIO RECOVERY XXXX, VA XXXX I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by Portfolio Recovery Associates XXXX for me, [ XXXX XXXX ], for account number Ref Id XXXX and Case XXXX ( references from the letters I received from Law Firms ). 

Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 
Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

I found out about this getting letters from Law firms offering debt collection advice. I will file an complaint with the Consumer Financial Protection Bureau about your unethical business practices. 
XXXX XXXX XXXX I called them and I have NO accounts.