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

Subject : Final Notice Demand for Immediate Removal of Inaccurate Charge-Off Dear Fifth Third Bank, I am formally disputing the inaccurate charge-off reporting on my credit report for account # [ Your Account Number ]. As a data furnisher, you are legally required under the Fair Credit Reporting Act ( FCRA ) to report only accurate and verifiable information. Your failure to do so is a direct violation of federal law and is causing financial harm. Additionally, the misreporting of debt obligations may constitute fraudulent financial reporting, which can carry severe legal consequences under IRS and federal fraud statutes.

Violations of Federal Law : FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or unverifiable information to credit bureaus.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires correction or deletion of disputed inaccuracies. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of unverifiable or inaccurate data.

15 U.S.C. 1681n & 1681o Subjects noncompliant furnishers to legal liability, including statutory damages, actual damages, and attorney fees. 

IRS & Fraud Violations : 26 U.S.C. 7206 ( 1 ) ( IRS Fraud & False Statements ) Knowingly making false statements or reports concerning financial matters is a criminal offense, punishable by fines and imprisonment.

26 U.S.C. 6050P Requires financial institutions to accurately report discharged debt to the IRS ; misreporting charge-offs can constitute tax fraud. 
18 U.S.C. 1001 Criminalizes knowingly falsifying or concealing material facts in financial reporting.

18 U.S.C. 1341 & 1343 ( Mail & Wire Fraud ) Misrepresentation of financial obligations through reporting to credit agencies may constitute fraudulent activity.

Immediate Action Required Deadline : 5 Business Days XXXX. Immediately delete the inaccurate charge-off from my credit report with XXXX, XXXX, and XXXX. 
XXXX. Provide written confirmation within XXXX business days stating that this negative reporting has been removed. 
XXXX. If you believe this reporting is accurate, supply all supporting documentation used to verify this debt, including the original creditor agreement, full payment history, and proof of charge-off status. 

Final Warning Legal & Regulatory Actions Failure to comply within XXXX business days will result in immediate escalation : Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I will submit a Form 3949-A to the IRS to investigate potential fraudulent financial reporting. 
Legal action will be pursued under the FCRA, IRS fraud statutes, and federal fraud laws, seeking statutory damages, actual damages, and attorney fees. 

This is your final opportunity to resolve this matter amicably. I expect immediate corrective action. 

Sincerely, XXXX XXXX
Product: Debt collection

Aargon Collection Agency reported a debt to my credit report without ever contacting me about the debt. The original Creditor is Missouri XXXX and it has been over five years since I have lived in Missouri. This company never sent me verification of the debt or allowed me to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry on my credit showed that I don't recall making. I contacted the company and they told me to file a dispute with XXXX. Upon disputing with XXXX just hours later they replied they weren't removing it. The date of the two inquires in question is XX/XX/XXXX and XX/XX/XXXX. I have two additional inquires with capital one on XX/XX/XXXX and XX/XX/XXXX however those two I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was not supposed to report anything on anybodys credit bureaus for the set account prior to XXXX 2019 per their letter they reported negative information on my report before the date of that letter I disputed it with them several times and also received a letter from them stating that I was correct in that it would be deleted off of my report they have never done that and continue to tell that credit bureaus that its accurate and its not I would just like the delinquency is removed and it reported from XXXX forward as promised by there later
Product: Credit card

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 

Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit card or prepaid card

I ( XXXX XXXX ) closed my Kohl 's account in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I called Kohl 's to pay off my credit card and close the credit card. I was told by the representative how much my current balance was. I informed the representative I was unable to pay it in one payment. The representative said that was fine and the balance and any charges could be paid over time. The representative asked when I could make payments and I stated XX/XX/XXXX and XX/XX/XXXX. The representative stated that I needed to pay {$180.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX in order to completely pay off my balance and any charges and to close my account. I agreed to these terms and made two payments : one on XX/XX/XXXX for {$180.00} and the other on XX/XX/XXXX for {$110.00}. Per the discussion with the representative this should have covered any and all charges and closed my account. I checked my credit report recently and realized that Kohl 's had reported that my credit account was 30 days late this past spring. In addition, I reviewed my account on Kohl 's and found that a refund for 'late charges ' and 'merchandise ' was issued on XX/XX/XXXX. 

I am requesting to have my credit report updated to have the 30 day delinquency removed and the effective closing date adjusted to XX/XX/XXXX. I closed and paid off the account in full in XXXX based on the amount given to me by the representative.
Product: Credit card

I've been a long-time PayPal customer ( XXXX years ) in good standing. On about XX/XX/year> I logged in and noticed that an automated payment had gone through which was greater than my PayPal balance, and had gone onto the PayPal XXXX, and I had incurred a {$30.00} late charge. I immediately put in a request for a transfer from my bank of funds in excess of what I needed to pay off the XXXX balance. My bank performed the transfer on the next business day. It took a full week for the money to appear in my PayPal account. When it did, I followed the procedure to immediately pay off the full XXXX balance from my PayPal balance. ( This involves being transferred to the XXXXXXXX XXXX  site. ) When I hit XXXX, I got the following message : " We are unable to make the requested updates. Please try again later. '' I tried many days in a row, getting the same message every time. I finally called the XXXXXXXX XXXX  help line and was told that the problem was occurring on the PayPal end, not theirs. I tried calling the Paypal line and was told that I was actually talking to XXXX. I was told that the payment wasn't going through because my card had been " deactivated. '' I've been using that card regularly for years but only for PayPal transactions -- I threw out the physical card. Now they say there is no way to pay off the XXXX balanace unless I order a new card and activate it ( and it takes XXXX days to get a new card ). Meanwhile I'm incurring penalty charges and who knows what it's doing to my credit rating. I don't see how they can deactivate a card that I use only for Paypal without informing me about it. And despite its being " deactivated '' they can still apply automated payments and penalty fees against it. I'm also complaining about the indecipherable error message they use that only results in confusion and further delays.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I transferred money to Wise at the end of XXXX from a business checking account, but made the mistake of setting up a personal account with Wise when trying to send the money. They then informed me they could not send my money along. You would think this would be an easy refund right? Wrong. My money has been in XXXX for two months. I have sent upwards of XXXX? ( XXXX? Ive lost track ) Emails back and forth over the last two months and they keep giving me contradictory information over and over on how to get my money back. 

-yes we can link your personal account and business account, actually no we cant do that -we can only refund your money with a XXXX transfer , actually no we cant do that why would you think that -yes we can send your money along to the recipient if you do XXXX, no theres no way we can do that Someone different responds every time, and will often point me in either a different direction or not help me or answer my question at all. For example they asked me to set up a transfer so I could get my money back, but that would require me entering an XXXX, which I dont have. Because its a XXXX XXXX. When I asked, they just directed me to a support page that had nothing about an XXXX  on it. We just go around in circles. 

This has been the most ridiculous experience and I still dont have my money back.
Product: Consumer Loan

i was forced into buying a car i didnt want .herbies told me because of my credit i had to get this car and a week later the engine went out. I only bought the car because they said it was a buy here pay here plan and i also feel like i payed too much for this vehicle the car i bought is valued at XXXX and i payed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Fraud with Transunion over 3 times in past 12 months I have disputed these Hard inquiries on my report I have called and online that i havent giving anyone permission in writing nor otherwise to run my credit report for and credit or lines of credit from the following XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of my account.
Product: Credit reporting or other personal consumer reports

Please remove my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.
Product: Bank account or service

There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.
Product: Mortgage

Roundpoint inappropriately enforced an escrow account on my loan for another lendee. They pulled {$260.00} out of my checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Total amount {$790.00}. 
Reference my prior complaint # XXXX The monies have not been refunded to me. Phone calls made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to direct contacts have been unanswered. Emails sent on XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to customer advocate and XX/XX/XXXX to XXXX XXXX. No response. On XX/XX/XXXX was able to speak with XXXX XXXX who advised me they are waiting for XXXX XXXX a third party vendor to send refund. She is escalating the matter to their tax office. 
Back in XXXX I was told a refund from XXXX XXXX XXXX office had issued refund. It is now XXXX months later and I still have not been refunded the {$790.00}. 
I do not have an escrow account with this lender and pay my own taxes.
Product: Credit card

I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I initiated a domestic wire transfer through my bank, XXXX  XXXX XXXX ( BoA ) to the following : Confirmation Number : XXXX Recipient Name : XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Total sent to recipient : {$30000.00} USD Transfer fees : {$30.00} USD Recipient account : XXXX Recipient Bank : The XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Total to recipient {$30000.00} USD Shortly after completing this domestic wire transfer, I became aware that the account number was not that of the intended recipient. The account number, XXXX, is used by XXXX XXXX XXXX XXXX XXXX XXXX as a holding account for Discover Bank, in the case of international wire transfers. The money went to XXXX XXXX on XX/XX/XXXX. I had BoA issue a recall ( XXXX XXXX ) of funds to XXXX XXXX XXXX which on the instructions of XXXX, had already sent the money to Discover Bank XXXX Discover Bank has provided no information on what happened to my funds. 
The transfer did not include any account number for the named recipient, XXXX XXXX. 
I need to find out what happened to the funds included in this transfer. 
I called the Discover Bank to discuss my wire transfer and they said they cant discuss that with me because I am not the recipient account holder.
Product: Debt collection

I had a collection show up on my credit report from CAB collection company. I never received any type of dunning letter or given my right to dispute the debt. I immediately disputed the collection with equifax and CAB verified it. I filed a complaint with the XXXX and told them my concern and asked for there help. CAB just kept saying that they had know knowledge of the debt and they couldnt find any record of it. I gave them the account number that is on my report, the original debtor and the amount of the debt. They kep saying they had no record and couldnt help me. How can they report a collection on my report and not have any record of it. If they cant show validity of the debt or cant find there records then they have to remove it. I attached a copy of the XXXX complaint so you can see where they admitted that they have no record of it
Product: Debt collection

On XX/XX/20 I requested ; Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt From portfolio recovery. As of XX/XX/20 I have yet to receive NONE of the requested documentation let alone ANYTHING that could validate this account. If I am indeed the person you seek then providing these things should not be an issue. As you can see it is BEYOND the 30 days allotted by law. I have no problem seeking legal counsel to protect myself from this company. They have refused to validate the account. They also have refused to remove this account from my credit seeing as though they cant validate it. They have chosen to continuously violate my consumer rights. Keep in mind I sent a debt validation letter TWICE. While I prefer not to litigate I will use the courts as needed to enforce my rights.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This company is reporting a late payment on my account and the other two bureaus are not reporting. This is a violation of 1681b ( e ) ( 6 ). All CRA 's must maintain a joint notification system. I was never late on the account. This is a billing error.15 USC Code 1666b.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries listed on my credit report, as they do not reflect my consent and are negatively impacting my credit standing. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have attached any relevant documentation to support my claim. Please investigate this matter and remove these inquiries from my report at your earliest convenience. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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