23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from a third party collection agency trying to collect debt for this account. all three credit beureus are showing chargeoff. I asked for a copy of the original contract, the payment schedule, dates and amounts paid and the agreement for the payment arrangements. wich were set up. I expressed to them that I was sick and had no income coming in and needed a payment arrangement. wich resulted in them taking too much money from my account and my bank account was closed. I called them again stressing i have a hardship. Still currently have a hardship. As stated before i have been phoned and written and emailed from a third party company trying to collect on this charged off account. the bank of America account number Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting of Charge-Off Account Dear Bank of America, I am writing to formally dispute the accuracy of an account reported on my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in reporting. 

The account in question is listed as a charge-off and is being reported inaccurately. I have identified the following issues with this account : 1. No IRS Form 1099-C Received : Under IRS guidelines , creditors are required to issue a Form 1099-C for canceled debts exceeding {$600.00}. I have not received this form, which suggests the debt may not have been formally discharged as a charge-off. 
XXXX. Account in the Hands of a Third-Party Collector : While this account is reported as a charge-off, it is simultaneously being pursued by a third-party debt collector. This raises questions about the legality and accuracy of reporting this debt as charged off while still actively seeking payment. 

These actions appear to violate both federal guidelines and consumer protection laws. Reporting inaccurate or misleading information is a serious matter, and I am prepared to pursue legal action against Bank of America and XXXX, XXXX XXXX and XXXX if these issues are not addressed promptly. 

I am requesting the following actions to resolve this matter : 1. Conduct a full investigation of this account to verify its accuracy.

2. Provide a written explanation of how this debt has been verified, including documentation from the original creditor.

3. Update my credit report by removing or correcting the inaccurate information.

Please note that under 15 U.S.C. 1681i, you are required to investigate this dispute within 30 days. Failure to comply with your duties under the FCRA may result in legal action, including seeking damages for willful or negligent noncompliance. 

I look forward to your prompt resolution of this matter. Please respond in writing with the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.
Product: Credit reporting

This account was sent to collections and judged upon where it was paid in full. There is a balance of {$21.00} showing. It should be {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically cash app failed to take timely effective measures to prevent fraud on their platform, leaving my account, rolling orb and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$600.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXXBalance : {$11000.00} XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : The both Experian and XXXX Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my Experian and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, we were notified by a potential landlord, from whom we were hoping to rent a home, that there was an eviction on my record. The eviction belonged to another person, not me. The landlord uses TransUnion and was doing a background check/credit history on me and questioned us as to this eviction. TransUnion reported this stranger 's name and apartment number at XXXX  XXXX XXXX XXXX XXXX XXXX ) and referenced a court judgement/eviction on MY RECORD, which caused the landlord, rightly so, to question us as to our honesty about never having been evicted. TransUnion refused to accept responsibility and stood by their data even though the name belonged to someone else who had the same first name and middle initial as mine, and the wrong apartment number. I have never been evicted. They also had another apartment complex on my record, which I never lived in, and an incorrect phone number. I spent days trying to contact and get records to prove them wrong. Finally I was able, after 3 days, to get the necessary information sent to me from the apartment complex who did evict this other person, so that I could forward the correct information to our potential landlord. We could have lost this house because of TransUnion 's error. Also, the person 's court/judgement information who was actually evicted was shared with the landlord, violating his privacy. I was able to get TransUnion to correct my credit report but it was very difficult to do so, and put us in a position to potentially lose this home rental. TransUnion made me jump through hoops to prove that they were wrong even though they referenced an incorrect sur name and an incorrect apartment number. They spoke legalese as to why they were standing by their WRONG data. We had to provide a copy of my security deposit being returned to me as proof that I was not evicted and an email from that complex that I was never evicted. I had to provide paperwork proving when I lived there as well as some other documents. This was truly a nightmare to deal with and TransUnion needs to fix their algorithms so that this never happens to anyone again.
Product: Consumer Loan

I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.
Product: Money transfer, virtual currency, or money service

Pay pal took money out of my checking account on an unauthorized transaction. Now they are unwilling to refund it. Their mistake has cost me {$100.00} I want my money back and the money I lost. I have an email from Paypal stating this was unauthorized This happened on XX/XX/XXXX and they claim the money was refunded on XX/XX/2023 and that my bank is the hold up. I have contacted my bank and no refund is seen.
Product: Credit card or prepaid card

I have been a customer with Capital One, specifically their Venture XXXX Rewards card which is a Visa Signature Card for several years. I chose this credit card as Visa and Capital One both promoted ( and still do as of today ) the Auto Damage Collision Waiver as a member benefit. This benefit is still included in their terms and conditions on both the Capital One and XXXXXXXX XXXX Card websites and manuals. I rented a car through XXXX on XX/XX/XXXX for a vacation in Minnesota. I was involved in a car accident that same day and filed an Auto Damage Collision Waiver claim with Card Benefits/Eclaimsline which is a third party contracted by XXXX XXXX to administered benefits. I was informed that my claim was denied as a result of the benefit not being active from XX/XX/XXXX through XX/XX/XXXX. I have contacted Capital One, XXXX XXXX, and XXXX restlessly the past 6 months. A conservative estimate is 50+ phone calls which accounted for 40+ hours of my life. Each time I attempt to find resolution from any of the aforementioned agencies they place the onus on their counterparts. Often the conversation begins with XXXX informing me to contact my issuing bank. Capital One will differ to XXXX XXXX as the Auto Damage Waiver is a benefit provided by XXXX XXXX and not Capital One. Further, XXXX XXXX can provide no explanation to the benefit in question and why it was discontinued from XXXX resulting in the subsequent denial of claim. As recently as XX/XX/XXXX they " don't have access or records '' of the benefit in question, although they confirmed I did have the benefit. XXXX XXXX XXXX finally sent my invoice to collections after there was no movement by any of the aforementioned parties. I had since remedied the situation, however it negatively affected me as a result of failure ( s ) of all companies mentioned. Of note, at no time did I receive documentation or notice from Capital One or XXXX XXXX that the benefits to my card, specifically the Auto Damage Collision Waiver has been altered, canceled, or changed in any way, thus the benefits highlighted by the terms and conditions of their benefits summary should be honored.
Product: Debt collection

This account showed up on my credit report. I have no knowledge of the debt. There is no signed contractual agreement that shows that I'm to pay this company this debt. There is nothing signed by me and I have never received any type of service or card from this creditor.
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 Account XXXX Account Name : CREDIT COLL Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  liens on my   XXXX   credit report that do not belong to me. I have asked for verification from  XXXX  and they failed to do so. I contacted the courts they do not report t o 3rd party ag encies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.  XXXX  is not the method of verification. I called the courts and they did not give no  one  information. Remove immediately! I will start legal action if needed.
Product: Credit card or prepaid card

I purchased a sofa using the XXXX XXXX XXXX website on XXXX XXXX XXXX When it arrived the sofa was destroyed and I immediately called to get it returned. They came to pick it up a few days later and confirmed it arrived back to them. It cost {$990.00} and the Reference # is XXXX XXXX I have been calling the Exchange and the Star Card customer support multiple times every month to get a refund. I hear the same thing every time and nothing is being resolved. They tell me that a department needs to sign a document to get the refund but they failed to do so and will get it done today. Then I should get the refund in 3-5 business days. After eight months and over fifty phone calls I still haven't received the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ISSUES GETTING THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Product: Vehicle loan or lease

I found the balance in the car loan was not accurate after I attended XXXX XXXX a financial meeting to check my credit. Debt validation letter was sent on XX/XX/2019 by certified mail. They just respond XX/XX/XXXX requesting additional information, after that I called to provide my personal information in XXXX and they said they will send all detail information about the balance in XXXX weeks or so. No response was received then call was done in XX/XX/XXXX and XX/XX/XXXX and spoke with different representatives that said they will verify the status of my request, call me back and send the paper work by mail, but no response or call has been received so far.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXXXXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I 'm being given the run around for over a week. 
Over a week and still can not access my mortgage account online. 
Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
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 NUMBERXXXX 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.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.