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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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, GA XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across TU, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. TU REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Social security XXXX XXXXXXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
ACCOUNT ( S ) XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX  ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( ACCT XXXX XXXXXXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) INCORRECT EMPLOYERS ( PLEASE REMOVE FROM CREDIT FILE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX XXXX : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. Account numbers ending XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, experien, and XXXX I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX  and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to re-age this account. It's well over 7 years old.
Product: Debt collection

I am writing to formally dispute the above-referenced debt. Under the Fair Debt Collection Practices Act, I request that you provide me with the following : 1. Detailed documentation or proof of the debt, including the original creditors name and the amount you claim I owe.

2. A copy of any agreement that you believe proves I agreed to pay the debt with my signature.

3. A detailed account statement showing all charges, payments, and adjustments to the account.

Please note that I am not requesting a verification of the debt, but rather a validation, as these are distinct under the law. Until I receive the requested documentation, I consider this matter to be in dispute, and I request that you cease all collection activities and remove these items from my credit report or I will be continue to proceed with legal action.
Product: Debt collection

I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
Product: Debt collection

I visited XXXX XXXX 's emergency room on XX/XX/2023, and incurred a total charge of {$1200.00}. Despite providing my medical insurance card, as a XXXX patient, I shouldn't have been billed. However, the hospital sent me to collections through Wakefield & Associates. Upon contacting my insurance provider, XXXX XXXX of XXXX, I learned they had already paid {$66.00} to the hospital on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

n a XX/XX/XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, Experian and XXXX  for improper reporting of this charge off on my XX/XX/XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3500.00}
Product: Mortgage

Ocwe increased my payment by XXXX starting XXXX/XXXX/XX/XX/2015 I asked them to justify the increase. They claimed it was for an escrow shortage. They showed a negative XXXX for last year 's escrow. I sent my payment and sent XXXX towards my escrow until they responded. Ocwen asked for XXXX and some change. Meanwhile I already sent another XXXX towards the escrow shortage. By another letter they asked for XXXX. I sent the balance of XXXX. I received a call on XXXX/XXXX/XX/XX/2015 and Ocwen said my adjusted payment was not my former payment of XXXX as discussed when I XXXX inquired but the payment is now XXXX a month reflecting a larger escrow amount and asked when I would be sending it even though my account is current. My payment they said would not go down. I lost my patience asked them to check their math and hung up. I sent XXXX for XXXX XXXX XX/XX/XXXX payment. I need assistance sorting out the inconsistencies. Thank you
Product: Credit card

I recently received an 'error correction ' to my Bank of America credit card account. But it only corrected a small amount of errors I have encountered over the years ( inconsistent and excessive interest fees when no purchases were made, other fees aka 'junk fees ' being charged to my account ). I have not always, and most often not, received cash rewards consistent with my credit card agreement. I believe that alternative accounts were open in my name for a period of time as well due to strange calls and emails that would be consistent with this activity, so believe I am probably a victim of the misuse of my sensitive information. I am happy to have received some remuneration for all this, but it seems inadequate. The process that led to the amount I was credited is completely opaque. I am hoping for assistance in finding out how to identify what Bank of America genuinely owes me for all of these practices so that I can request it back. Apologies for the 'broad strokes ' message. I only just now became aware of the CFPB action against Bank of America and it gave me a little hope that I can come out of this fog and be fairly remunerated for unfair practices on the part of Bank of America. I hope this complaint is a concrete step in that direction. Thank you for your time in reviewing my message.
Product: Credit card or prepaid card

Ordered furniture on XX/XX/2020 with Ashley Furniture on XXXX XXXX XXXX VA Still waiting on delivery for a furniture for our bedroom. N

O bed, NO dresser, No Night Stand no railings no nothing has been delivered. we have called and called to wait on hold for 30 minutes each time Spoke with XXXX and manager XXXX at store location who assured us items were in and furniture would be delivered on XX/XX/2020 Truck pulls up with partial items to a bedroom. Mind you they ( Ashley Furniture ) is responsible for set up as well upon delivery

. Wet boxes arrived with missing items needed to conclude a bedroom set-up. Called back to store and manager is out of office and Sales mgr is in meetings. How convenient all the while our bedroom has been in a disarray  since XXXX. What a mighty good mess.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a settlement agreement. Im making required payments plus {XXXX}, but for some reason I keep getting knocked out of the settlement agreement.
Product: Money transfer, virtual currency, or money service

In the first box, I put this? 

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 ( 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: Debt collection

I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX 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. 
Sincerely XXXX XXXX
Product: Checking or savings account

My account closure was PNC bank occurred by my request in XXXX, 2021. I had a mortgage with Compass, which became BBVA, which then became PNC. I refinanced the mortgage with another bank. I called to close the remaining checking account. After XXXX phone calls and multiple emails, and over 2 hours of my time, I have not received the funds. A representative explained that one check was sent to the wrong address, where I had never lived. My address has not changed since these accounts were opened. On XX/XX/XXXX, a representative stated the check would be re-issued. On XX/XX/XXXX, they stated the check had not been sent. They asked me again to confirm my new address but I explain my address has not changed since the mortgage was issued about six years ago. They stated somebody would call me to confirm my address that day but I have yet to receive a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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 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 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.
Product: Mortgage

In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and you are reporting false information to my credit I have not approved are applied for the account are accounts you are reporting
Product: Credit card or prepaid card

Somebody opened an Amazon Store Card in my name and has been charging it and billing it to my address. On XX/XX/XXXX I received a bill and was made aware that this was occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate / fraudulent account information on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing ownership of the account, and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as FTC Report, police report, as allowable by law to the creditor and credit reporting agencies regarding this errors. The creditor has failed to respond to my request.Despite my efforts, the inaccurate/fraudulent account information remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.