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

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, Experian, and XXXX. Significant inconsistencies exist in how this account is being reported across the bureaus, raising concerns about the accuracy and completeness of the information being furnished. 

Discrepancies and Issues Identified : Account Balance : XXXX, Experian, and XXXX all report a balance of {$1900.00} ; however, the account is marked as " Closed '' in each instance, which contradicts the balance owed. 
Payment Status : All three bureaus report the payment status as " Charged off '' or " Charged off as bad debt. '' This status is concerning as no documentation has been provided to substantiate the charge-off.

Dates of Activity : Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. These discrepancies suggest the accounts activity dates have not been accurately verified. 

Date of Last Payment : XXXX and Experian report XX/XX/XXXX, whereas XXXX lists XX/XX/XXXX. This inconsistency impacts the accounts validity under the Fair Credit Reporting Act ( FCRA ). 
Payment History : XXXX inaccurately reports " OK '' payments for certain months during XXXX while simultaneously marking the account as a charge-off in other months. This conflicting information demonstrates a lack of proper validation and oversight in the reporting process. 

Comments : XXXX includes " Profit and loss write-off, '' and XXXX notes `` CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but Experian lacks any comparable details, highlighting an incomplete and inconsistent investigation process. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistencies and contradictions in this account 's reporting demonstrate a clear failure to adhere to these standards. 

Furthermore, XXXX 's and Experian 's documented history of inadequate reinvestigation practices ( " sham investigations '' ) raises additional concerns about the integrity of their review process and compliance with legal requirements. 

Actions Requested : Conduct a detailed and thorough investigation into this accounts reporting across XXXX, Experian, and XXXX. 
Provide verification of all reported information, including : Documentation of the charge-off and proof of the original balance. 
Accurate and consistent dates of activity and payment. 
Clarification of the accounts payment history. 
Remove any inaccurate, unverifiable, or inconsistent information from my credit reports. 
Confirm the results of the investigation and actions taken in writing within the 30-day timeframe specified by the FCRA.
Product: Checking or savings account

Cash App closed my account without providing me any details as to why. They refused to provide me any information regarding the closure, stating its policy. I have worked in the financial industry going on XXXX  years, any time we close any type of account, customers are provided details as to the closure. I was told I can never have another account with cash app, again they refuse to provide any information as to why. I spoke with several customer service agents and filed 2 appeals about this matter. They treat me like Im some type of criminal, which Im not.

My Cash App account was only used for making purchases and sending monies to family and friends. They also told me to read the terms and conditions, read several times. I violated no of their terms and conditions.
Product: Credit card or prepaid card

Dispute is with Barclays Bank Delaware Upromise credit card. I Purchased a deposit for a sailboat charter XX/XX/XXXX for {$940.00} with balance completed on XX/XX/XXXX of {$2900.00} totaling {$3800.00}. Charter was cancelled due to hurricane Irma and merchant did not want to refund so credit card company credited account on XX/XX/XXXX. Merchant ended up refunding {$3800.00} on XX/XX/XXXX so account was overfunded. XX/XX/XXXX credit card company rebilled {$3800.00} balancing the account. XX/XX/XXXX credit card company rebilled again but the amount of {$2900.00} and then credited back the amount {$2900.00} on XX/XX/XXXX once again balancing account. XX/XX/XXXX the account was credited again for the amount of {$2900.00} leaving the account overfunded. On XX/XX/XXXX the account was billed not once but two separate charges of {$2900.00} totaling {$5800.00} leaving the account negative {$2900.00}. I have placed multiple calls and waited for call backs or any corrective measure to be taken. As of XX/XX/XXXX I have not had this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX *XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  -ACCT # XXXX *XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.
Product: Credit reporting or other personal consumer reports

I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that I have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Debt collection

This company ( Municipal Collection Services, LLC ) has been harassing my sister via text and phone call, who has told them that she is not me, that her cell phone number is not mine and that she is not associated with my debt. Yet they continue to call her and text her about my debt. I have never given out her phone number to any company, so I am unsure about how they found her information and why they think she is me, despite her telling them numerous times on phone calls that she is not XXXX.
Product: Checking or savings account

Bank of America decided to close out business account but they never sent us the remaining balance. I have been calling them for weeks and they are refusing to give us a reason why they dont want to close the account and mail our check.
Product: Debt collection

I am writing to formally file a complaint against LVNV Funding LLC. This company is trying to collect a debt on an old credit card for {$2300.00} the original creditor is XXXX XXXX XXXX. XXXX XXXX XXXX  charged off the account. 

Background The creditor charged off the account legally classifies the balance as canceled debt and, therefore, taxable income in question, which is under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report the income to the IRS. However, I have not received a 1099-C for this account, which I have requested. I am still waiting to receive a 1099-C from the original creditor.

I have verbally and written the consumer LVNV Funding LLC that I refuse to pay the debt as well as to stop all communication through phone, mail, text, and email. The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. LVNV Funding LLC inquired debt and is now reporting it on my credit report, which is causing a negative impact.

Ceasing communication Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c ( c ).

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except.to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
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.
Product: Credit reporting or other personal consumer reports

A former friend of mine who I let live with me for a while opened up some accounts without my permission. I need these taken off my credit, these are not mine. I attahched the appropriate paperwork
Product: Vehicle loan or lease

I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason I am writing today is in regards to the late payment which is reporting in XX/XX/2020, due to Covid I was unable to get that payment made in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting

I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items on my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Debt collection

On XXXX XXXX I contacted the Brdigecrest company about account no : XXXX XXXX I requested a full validation of this account Pursuant to federal law 12 CFR 1006.34 which states a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information. On XX/XX/2022 I received a letter from BRIDGECREST, stating that they were unable to fulfill my request because they had insufficient information... They stated that they had different information, and they wanted me to furnish them with information. This is a direct violation Pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION ACT all information placed on a consumers credit report must be 100 percent acute. I am in possession of this letter requesting that I furnish them with personal information and account information that they have already furnished to the credit bureaus. THIS COMPANY IS REPORTING INACCURATE, AND FRAUDGULENT INFORMATION. I am requesting that this information be deleted immediately. This company is unable to validate this account and information and has not done so in the time frame alloted to them by Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX - Incorrect Employers XXXXXXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect DOB
Product: Debt collection

I just recently checked my credit report and found a collection that does not belong to me. I contact the collection company to remove this account from my file, but they did not resolve my problem.
Product: Debt collection

This account was fraudulent. I was not aware of this account. This account is not mine. I have been a victim of identity theft since 2018.
Product: Checking or savings account

I filled a complain against Bank of America for the unfair decision of close my Business Account because them just wanted to do it, for a Scam that I never participated and I reported to the bank by myself as soon I realized that I received a deposit that XXXX mine. After I placed the complain in CFPB, Bank of America just sent me a letter which is cohersive to me telling me that they would close my account and they will report it to XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX to avoid that I can open an account with any Bank or another financial institution for up to XXXX  years. Is retaliation from them. And I would like that Bank of America stop this report, and also re-open my Bank Account, because I have a Business that can be just perjudicated.
Product: Checking or savings account

On XX/XX/XXXX they closed my credit builder account and charged me {$880.00} then on XX/XX/XXXX I got paid which is directly deposited in the amount of XXXX and they took that due to the negative balance. I called them on XX/XX/XXXX when I noticed the negative balance. I was told that their system closed and reopened my account which cause the negative balance and they said it would be fixed the next day. Well here I am on XX/XX/XXXX and phone calls and emails later still waiting on a resolution. Every time I call they tell it will be fixed in due time. Well 2 weeks and still nothing is just crazy I just want the money that is due to me. Plus I have had bills declined because there is no funds in that account to cover them. 
I just want my money back that they owe me
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - XX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Checking or savings account

I am a victim of identity theft, my Suntrust account was flagged and closed due to account abuse and now as a result I have a negative remark on XXXX  and have trouble opening a new account.
Product: Debt collection

Debt never occurred Business is out business No refund policies Customer signed form saying no refund policies Company obtained social security fraudulently
Product: Debt collection

I am being charged for a service where I had active health insurance at the time. I had XXXX XXXX XXXX XXXX and I had disputed this through the credit bureaus with no success XXXX/XXXX/XXXX is the date of service for {$400.00} I am also being charged for date of service XXXX/XXXX/XXXX for {$360.00} XXXX/XXXX/XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
Dispute : XXXX consumer I recently disputed late payments reported by XXXX on my credit report. Experian responded but did not provide sufficient documentation, such as my signed agreement Under the FCRA, I am requesting proper verification. If XXXX can not provide documented proof that I was late, please remove these late payments from my report. '' Under the Fair Credit Reporting Act ( FCRA ), creditors must provide verified proof that the late payment is accurate. If they did not include proper documentation,
Product: Checking or savings account

On XX/XX/ I received an email that a checking account was opened in my name at Bank of America. We dont have any current accounts with this company, but had a car loan with them which was satisfied a couple years ago. I called Bank of America to find out why this account was opened in my name. Apparently someone open the account using my social security number. They were happy to assist me in closing the account, but this is alarming as Im very careful about using my SSN. I have identity theft protection already and it wasnt caught by them. Ive since put a freeze on my SSN through all three credit bureaus. Id like the FTC to find out why this occurred and make sure it isnt one of those bank scams to open accounts at the end of the year like XXXX XXXX did years back. Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

The accounts in question ( Dept of Edu/XXXX ) all transfered to XXXX in XXXXXXXX XXXX ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although XXXX shows a {$0.00} balance, they have not closed the accounts or reported them to Experian as paid off, so my credit report shows the same amounts for both XXXX and XXXX ( see Experian attachment ). The XXXX accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with Experian in XXXX, but they resolved that we must contact XXXX because the accounts are still open. I contacted XXXX on XX/XX/XXXX and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including Experian, as paid in full and closed. XXXX refuses to take these rightful actions.
Product: Mortgage

I'm submitting a complaint after receiving a large XXXX XXXX XXXX from my town. Mr Cooper was responsible for withholding and paying the appropriate amount of taxes from the escrow payments I make on my mortgage. It appears there is a significant shortfall. 

Ultimately my complaint is because I can not reach anyone in their loan servicing department to make sure this bill is remedied. Mr Cooper was subject to a cyber attack last week, and has withdrawn all its resources to speak to people calling about an existing loan with them. However you can still reach someone is their department if you'd like to get a NEW loan through them. Basically they'll give you the time of day if you'd like to become a new customer, but if your an existing customer they won't talk to you. 

I reach someone in the New Loan application department and she assured me someone would call or email me that day. It has now been XXXX day and I haven't heard anything, nor can you call to speak to someone about an existing loan