23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 JPMCB Card services ran my social security to check on my credit report which I didnt authorize. I dont have any transactions with them. Someone is accessing my social security to apply or inquire to get a loan/card services. I recall that XXXX XXXX XXXX under XXXX XXXX XXXX had some issues with security incident that was accessed by a hacked and my personal information was access without authorization. I have received a letter from XXXX XXXX XXXX in regards with the incident. I suspect that someone is trying to access my personal information to get a loan from a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries from XX/XX/XXXX and XX/XX/XXXX from both Equifax and XXXX I disputed several times with both that they were unauthorized
Product: Credit card or prepaid card

Hello Someone made two unauthorized charges through CashApp   using my Maryland UI Benefit Card in XXXX. One was on XX/XX/XXXX for {$10.00} and initially went unnoticed. The other was on XX/XX/XXXX for {$600.00}. When I saw the {$600.00} I looked into it and requested a refund through the app but all that did was alert the person who made the charge that I wanted them to refund, which they immediately denied. I apologize for the following level of detail but I want to provide you with as much information as possible, in hopes of resolving the issue as fast as possible. 

Although this happened in XXXX, I have been trying to resolve the situation ever since, first with the bank through which the card was issued, then the Maryland Department of Unemployment,  followed by what seems like endless XXXX searches, trying to hit upon just the right set of search words that finally led me to this site. I have sent emails to show my efforts but received no replies from anyone I reached out to. 

Beginning on XXXX I began sending money to an individual I came to know as XXXX, after first communicating with her under the name XXXX. I came in contact with her online and purchased digital, XXXX XXXX with her ( pictures and videos ) on XXXX, XXXX, and XXXX with no issue. We communicated during the time and decided to meet in person on XX/XX/XXXX. In preparation I sent her another {$50.00} on XX/XX/XXXX which she was to use for dinner the next day, which she did. It is my belief that while we were together she took my phone without my knowledge and used it to access the same app and my saved credentials to send herself the {$10.00}, I believe as a test. The meeting took place without incident. Nothing more than meeting up was promised or took place. She suggested meeting up " just to put face to the name. '' Days later on the XXXX a payment was sent to her for {$600.00}. I don't believe she accessed my phone again although it is possible. She came to my house to return a magazine she " inadvertently '' took the day before and came and went while I helped my brother bring a bed into the house. Later I saw the charge and reached out to her and found she blocked me on every platform we'd previously talked. I contacted CashApp about a refund and at that time found out it's only course of resolution was to ask the the individual to send the refund and that unsurprisingly, she denied it. Since then I've had no contact with her in any way. I also reported her account to the owners of the site I first made contact with her, for which they thanked me and to my knowledge, deleted her account.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I have recently deputed this account but Equifax XXXX and Equifax are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and Equifax, XXXX, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate
Product: Debt collection

I have a medical collection on my credit file that i have been disputing for several months that doesn't belong to me. I have always had medical insurance through my job and i even went to XXXX XXXX XXXXXXXX XXXX to ask about the account and they had no record of me with an outstanding bill. XXXX XXXX still has not deleted this account and they keep saying its verified but have not sent me any proof that it belongs to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.
Product: Checking or savings account

To whom it XXXX concern, To start I am a veteran, and what this looks like is veteran benefits fraud. I have had my benefit coming to a prior bank for 17 year. Then I stop it from depositing in my account because of negative withdrawals. The mental health placed the deposit in TD Bank under another woman 's name. And from the time the account was open I have not got a print out of all the deposit and withdrawals to the account. They, the phys and the woman calming to manage the account for me. Seem to be hurting me some more than helping me. At times the woman is not even cooperating with me about me getting my money out to manage my life. The latest thing is that I paid my taxes and filed recognizing that now I need to pay more. Unfortunately, they don't want to give the balance. The taxes paid reflex 's the amount of Va benefits I receives. The money is used to manage my life with my daughter and my expenses. Now I in line to go back to work minus the complication. Please help! 

Very Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XXXX XXXX- {$5700.00}
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 XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4000.00} ; XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX : {$13.00} ; XXXX XXXX Balance : {$800.00} ; AFFIRM XXXX XXXX {$0.00}
Product: Mortgage

My bank sent an automatic payment to the XXXX address on XX/XX/XXXX. Although you received it you returned it to me uncashed in XXXX Specialized counted it as a late payment and charged me a late fee. 
In late XXXX, I spoke with your customer service agent XXXX # XXXX and she agreed to drop the late fee of approximately {$45.00} in exchange for immediate payment, which I made that day. 
When the same late fee showed up on the next statement, I called and spoke with XXXX, who confirmed that XXXX had dropped the late fee but the system failed to record it and promised to drop it. 
Since then, I have been receiving statements that include late fees of varying amounts. Just one payment was late and thats the one both XXXX and XXXX agreed to waive. 
In XXXX, my bank sent an automatic payment of {$1000.00} short a legitimate {$3.00} increase for escrowed taxes. When I realized it, I combined the shortage with the most recent version of the late fee and sent a separate, clearly annotated check to pay {$52.00} to make up for the escrow increase and to pay the late fee I was told I dont owe so it would stop spiraling. 
Since XXXX, Specialized has included late fee charges of {$44.00}, {$41.00}, {$42.00} and {$41.00} in statements, when only one payment was late and that fee was waived twice by your staff. And I sent at least {$45.00} in the {$52.00} check to cover that spiral. The check was cashed on XX/XX/XXXX, see attached. 
I want a refund not a credit. And I want my statement to reflect the accurate monthly payment.
Product: Credit reporting or other personal consumer reports

EXPERIAN KEEPS LISTING CO ON MY CREDIT REPORT A CHARGE-OFF IS A MAJOR DELINQUENCY. A CLOSED ACCOUNT PAYMENT STATUS CAN NOT REMAIN IN LATE STATUS. THATS EQUIVALENT TO REPORTING AS 'CLOSED/60 DAYS LATE'.IF ITS CLOSED, THEN THE PAYMENT STATUS CAN NOT BE 60 DAYS LATE OR ANY OTHER FORM OF DELINQUENCY. NO PAYMENTS ARE DUE ON A CLOSED ACCOUNT. 

THE ACCOUNT IS THE ONLY INFORMATION THAT SHOULD BE REPORTING AS A CHARGE- OFF NOT THE PAYMENT STATUS WHICH IS A SEPARATE FIELD ON THE CREDIT REPORT. 

Experian glossary of account conditions and payment status does not list anything in the payment status for CO month after month the account must cls out. 

The payment status is inaccurate the account can not remain in charge-off status month after month, the account can only charge-off one time in the payment status then the account must report cls in the payment status on a closed account by the grantor. 

The account was closed by the grantor and should not have any current updates in the payment status the account has been closed since XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, MOHELA mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Product: Credit card

To whom it may concern, I am writing the complaint in regard to a dispute charge that had been denied. Original charge on my credit card is {$1500.00} on XX/XX/XXXX. I started the dispute on XX/XX/XXXX. My dispute had been denied by Citi Bank on XX/XX/XXXX. I disputed a charge by a fraudulent moving company, XXXX XXXX XXXX XXXX. They charge {$1500.00} for a service fee. I had provided evidence that I had asked the company to cancel the service. But the fraudulent moving company, XXXX XXXX XXXX XXXX, refused to refund my money back. I started the dispute but Citi Bank does not resolve my issue and still help the fraudulent moving company, XXXX XXXX XXXX XXXX.
Product: Debt collection

Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.
Product: Money transfer, virtual currency, or money service

I responded to a XXXX XXXX from a former high school ( XXXX XXXX XXXX  XXXX ) acquaintance 'help ' sell off estate items from a friend that was moved to a care facility. I contacted via XXXX and decided to purchase a XXXX XXXX riding lawn mower for {$XXXX} ( paid XXXX ) and a {$XXXX} delivery fee ( paid XXXX ). We paid via Zelle to phone account XXXX under the name XXXX XXXX XXXX. XXXX was set for Monday XXXX. Never showed. We contacted XXXX XXXX XXXX and we were assured it would arrive later that day. At XXXX XXXX  we contact XXXX again and were told it would be delivered today XX/XX/XXXX by XXXX XXXX. No delivery and now XXXX is 'off line '. I did try calling the phone number and left a message XX/XX/XXXX. Got a call back later that evening from an irate man who XXXX heard of XXXX XXXX XXXX XXXX and knew nothing about a delivery. I believe his accent was XXXX but could be wrong. I was told not to call again. It's obvious that this was a scam all along. XXXX our bank, Zelle referred me to my bank and am filing a complaint with XXXX.
Product: Checking or savings account

Wells Fargo possible used my personal information along with other customers to open other lines of credit, etc without my consent. To date ( 5/21/24 ) I have not been informed of any remedy or what to do about it.
Product: Credit reporting or other personal consumer reports

XXXX and Innovis continue to report incorrect names and addresses that do not belong to me. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

State collections XXXX {$2700.00}. 
State collection XXXX {$1500.00} State collection XXXX {$610.00}. 
these three accounts show on my credit report and i have no knowledge of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.
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 an address fraud on their platform, leaving my account vulnerable and are unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fraud Transfer ( EFTA ) and Regulation E. This action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX