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

Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my XXXX credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my Experian credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately. 

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I gave birth and started a NJ XXXX week XXXX leave. NJ uses Money Network to distribute payments. On XX/XX/XXXX I received my Money Network card in the mail and I couldnt activate the card via their app. It said to call. I called and someone had already made an account before I received the card. They took {$4000.00} of my NJ XXXX funds on XX/XX/XXXX the Money Network agent told me. This was XXXX  days before I had ever even received the card in the mail, making it impossible it was me. I opened a claim and sent them XXXX Informed Delivery Proof that I received the card days after the money was taken, and they said this was not enough proof and closed my claim. I called multiple times and asked to talk to supervisors, trying to find what proof would be deemed accept acceptable to them and I am always transferred to a supervisor line where I wait for over an hour and no one picks up the phone.
Product: Mortgage

In XX/XX/XXXX, our property tax was incorrectly assessed at a rate of 6 % instead of 4 % and an escrow payment was made through our mortgage company ( United Wholesale Mortgage ) at the incorrect 6 % rate. We had this issue resolved in late XX/XX/XXXX through the XXXX XXXX Auditor 's Office, and in XX/XX/XXXX a check was sent to United Wholesale Mortgage to cover the difference between the 6 % and 4 % assessment rates ( approximately {$5400.00} ). During this process, our mortgage loan was transferred to a new company ( XXXX XXXX ). The check provided to United Wholesale Mortgage to cover the difference of the incorrect property tax payment was not transferred with our loan, so an escrow shortage is showing up under our new loan provider. As of XX/XX/XXXX, we show an escrow shortage of {$5200.00} and are paying approximately {$400.00} more per month in our mortgage payment to cover the difference. Over the last 6 months, my husband has spent countless hours on the phone with United Wholesale Mortgage to get this issue resolved. United Wholesale Mortgage has acknowledged that they received the check from the XXXX XXXX Auditor 's office, but they can not provide any sort of documentation that the money was forwarded to XXXX XXXX. As of right now, United Wholesale will not release a check to XXXX XXXX and we continue to pay out-of-pocket for the escrow shortage that should not exist. I have attached a copy of our corrected property tax bill ( assessed at the 4 % rate ), as well as a statement indicating our current escrow shortage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX XXXXXX/XX/XXXX This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late.

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws.

Please send the results of this dispute and the updated credit report to the address listed above.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts on my file. These accounts are not mine, and their presence is both misleading and unfairly damaging to my credit standing.
Product: Debt collection

I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the three credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XX/XX/2017 they cashed the check that was sent to them.
Product: Checking or savings account

I have a checking account from XXXX, that I closed. A credit card payment came out supposedly after the account was closed for XXXX  XXXX I took my money out, closed the account and took my money to another bank, because I was moving and that bank did not have a location where I was moving to. 

So Prosperity bank did not call me about the XXXX $ instead they tacked on charges for funds, for that account and never stopped with the excessive charges. So here I am in XXXX finding out that they let this account charge all the way up to XXXX XXXX Instead of calling me to inform me that I could have just handled the XXXX XXXX 

Now its reporting to XXXX. I need this matter resolved. And I need to see about getting the XXXX $ worth of charges that you allowed to accumulate waived. That is way excessive. I would be happy to pay the initial charges, but not all of those fund charges that you allowed to continue. I need this fixed with prosperity bank and XXXX. And I would like this removed from my XXXX report completely not just showed as paid!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Debt collection

YOU BROKE THE LAW!!!!!! 
Frontline Asset Strategies LLC, sent me, XXXX XXXX, the original creditor, pursuant 15U.S.C 1602 ( G ) a letter I received, dated on XX/XX/22. 
In the letter it states XXXX are Original Creditor which is a violation pursuant to 15 U.S. Code 1692e - False or misleading representations. However, XXXX sold my private information to Frontline Asset Strategies LLC which is aggravated identity theft and theyre using my Social Security number without my authorization which is a violation to the Social Security Act pursuant to 42 U.S. Code 408 - Penalties. This aggravated identity theft as well pursuant to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) Terrorism offense.

Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Just to give you more clarity of the violations you have committed Frontline Asset Strategies LLC.

Please understand in this letter you sent me is a threat telling me if I dont respond by a date, The letter is harassment, annoying, obscene and profane language to me pursuant to 15 U.S. Code 1692d - Harassment or abuse. You are ruining my life and reputation with your actions and deceptive business practices. I am reporting you to CFBP, FTC, and FCC. It is clear Frontline Strategies LLC are crooks and seeking to take advantage of consumers to rob them and break federal/State laws. It is evident.
Product: Debt collection

I received a letter in the mail from Credit Collection Services ( XXXX, MA ) stating that I owed a debt to XXXX XXXX. It did not list the date of service or the patient name. I logged into my XXXX account and found that I had a {$0.00} balance. 

I called the number on the letter from CCS and told them I disputed the debt and wanted a detailed written statement of the charges. The person on the phone told me they were not required to provide that and the primary care provider has already sent that to me. I told them I had received no such notice and was reiterating my request for a detailed written statement of the disputed charges. They again said they did not provide that and told me they noted my account was disputed and asked if they could do anything else for me.
Product: Mortgage

We filed bankruptcy almost two years ago but reaffirmed our debt with Wells Fargo. We have not been late on one payment yet they refuse to report these good payments to the credit bureaus. I am trying to rebuild my credit and would like to see all of these payments back dated on my credit report or at least start reporting again. I have called them twice but I get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regarding the identity theft from XXXX XXXX and her partner as named by the XXXX Police Department, I have additional information to add. 

Please remove the following hard inquiries : CBNA - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and CBNA - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX  license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to XXXX my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Product: Debt collection

I cancelled broadband internet service with XXXX in XXXX of 2019. I received a large bill in XXXX of 2019. I spoke to XXXX on the phone and was assured that bill was incorrect. I was told to wait for the next billing cycle and my account would adjust and show a zero balance. 

In XXXX 2019 I received another bill with a lesser amount due. I called XXXX and discussed the account with a billing representative. The representative told me the bill was incorrect and I should receive a zero due statement shortly. 

In XXXX I received a letter from XXXX advising me of a past due bill. On XXXX XXXX, 2019, I called and spoke to a representative named XXXX who assured me the issue was fixed and I did not owe the money. 

On XX/XX/2019 I received a notice from a collection agency, Credit Control Corporation, requesting payment. 

I again spoke to XXXX on XXXX XXXX, 2019. Frontier now tells me that I owe the money but they acknowledge that the account notes say I was told I don't owe the money. 

I am very upset that XXXX sent my account to collections while telling me I did not owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Experian about one ( 1 ) account on my credit report XXXX  XXXX XXXX. I have asked Experian As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account ( XXXX  XXXX XXXX XXXX. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Experian signed for it. I have never received the contract that contain my signature which I repeat is my right under the section XXXX of the FCRA and Experian keeps reporting that account ( XXXX  XXXX XXXX XXXX to my credit report. I would like to notify you that the account has been removed on my XXXX  and XXXX  credit report. Why can't Experian do the same? Does XXXX  XXXX  XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that accounts from my credit report. I have attached to this statement the XXXX return receipt and the copy of the original letter that I have sent to Experian. Please CFPB help me fix this issue. Experian is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!
Product: Checking or savings account

Sold my house in XXXX  XX/XX/XXXX recieved proceeds for sale XX/XX/XXXX and deposited said check along with a second check on same day on XX/XX/XXXX chase froze all my accounts with them and said they can not call the issuer of check because there number is not a secured # so because of this they will be closing all of my accounts on XX/XX/XXXX and will be keeping the proceeds from the sale of my house ( XXXX ) plus any other money i had in my account they claim after my account is closed they will be sending all of my funds to the state of XXXX  ; even tho the issuing bank confirmed with chase that the check was cleared. i was never given a chance to submit the legal documents from the closing i need this money to be returned this is my life savings and as of now i have no access to any money
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX I have called, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Money transfer, virtual currency, or money service

I sent a wire to Coinbase for {$8000.00} XXXX XXXX. They received the money XXXX XXXX and immediately placed my account into a restriction ( for an identity verification ). I immediately verified myself and was told it would take XXXX minutes. After XXXX hours later my account was still blocked from transacting. I contacted the support team and was asked what XXXX I was buying, from where and why I was investing into XXXX? I answered all of the questions and was told that money was being held due to a review. I have been waiting for XXXX days now and my wire is still being held by Coinbase. Im not even allowed to withdraw my funds back into my bank account. Their customer support team is telling me they do not know when itll be sent back to me. This is money I worked hard for and Im trying to invest into time sensitive trades. I am very disappointed in Coinbase and I will never use them again!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX provides our Fica score on their site. Recently our score dropped over 20 points. The explanation is that we have balances that are too high. However we don't have high balances. We have one car loan of {$5700.00}. We have a home loan and those are the only balances we have. We have more than adequate income for these balances. We never carry a balance on our credit cards. I have talked to XXXX XXXX XXXX XXXX. They referred me to Experian claiming that they exclusively get the report from them. I talked to Experian and they claimed it was XXXX XXXX that decides what the report says. The representative continually tried to get me to open an account with Experian. It has seem like Experian is hurting our credit to force us to pay for their service. The other two credit reporting agencies don't report our balances are too high. I feel like this is black mail. We can't even open a dispute because we don't have any high balances to dispute. I have included the credit report from Experian. Can you help with this?? 
XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington , DC 20552 Subject : Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. 
I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. 
Here are the details of the disputed item : Account name : XXXX/XXXX  XXXX XXXX XXXX  Account # XXXX XXXX Acct # XXXX 
XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Acct # XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. 
I kindly request the CFPB to investigate this matter and ensure that Bureau is complying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. 
Please find attached copies of my correspondence with Credit Bureaus for your reference. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX  Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX