23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have a collection account on my credit report from portfolio recovery which is the company that purchased the fraudulent account from a company by the name of XXXX XXXX in the amount of {$1100.00}. I recently found out about my rights as a consumer to dispute fraudulent charges even if they are already on my credit report. I have tried to dispute this account on the XXXX website as well as by mail. I believe i mailed the validation letter in XX/XX/2023. I was sent a credit card statement as supposed proof that i owned the fraudulent account. There are currently remarks on my credit report stating that portfolio recovery did a FCRA investigation and that the customer does not agree. I do not agree to paying these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card

Capital One closed an account ending in XXXX, I requested a copy of the 1099-C. If this account was written off as a lost, I should have received a 1099-C. 15USC 1681 ( 2 ) ( a ) ( 1 ) no transaction experiences are to be allowed on any consumer report. I have a complaint for XXXX for the furnishing of a transaction and experience listed also.
Product: Checking or savings account

I placed live bets all last week through XXXX XXXX XXXX  and was suspended from the app with money in XXXX XXXX and no reason provided. My account was closed at XXXX while games were on and I had my money in their account. I contacted Chime and they said I can't get my money back even after I showed them proof of loss due to being suspended with no reason provided. This has me furious.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : Experian, XXXX and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that Experian, XXXX and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : Experian, XXXX and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that Experian, XXXX and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.
Product: Credit reporting

I am living in  XXXX  working and working in  XXXX , and have been accepted to  XXXX  's  XXXX  business s chool ( to start in  XX/XX/XXXX r ). I h ave applied for a loan and have received a loan offer, but  XXXX   XXXX  requires an Experian credit report. I have tried repeatedly to access my report, but each time I get locked out and get an error message. I 've spent nea rly three h ours on the phone over the last couple of weeks with the customer service and disputes departments, but I 've not been able to resolve my issue. I 'm not sure whether it 's because I 'm abroad or something else that happened when I tried to access my report ( the internet is n't always the most reliable ), but I really need this credit report so I can pay for my education.
Product: Credit reporting or other personal consumer reports

I made several attempts with Equifax via dispute and remove a collection account with XXXX XXXX XXXX from my consumer credit report, but have been unsuccessful. I am not responsible for a debt from the original creditor and XXXX XXXX have not provided me debt validation letter and have been reporting this negative acct to my consumer credit report since 2020 and I have not signed a contract agreement with XXXX XXXX XXXX, nor did I provide them authorization to report this negative account to my consumer credit report. They have violated my consumer rights per the FCRA. I demand this is deleted from my consumer credit report immediately. This has caused me financially hardship with being unable to have access to favorable financial products that I need, like not being approved for a personal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the account, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Subject : Reporting Inaccuracy by Equifax under FCRA Dear CFPB, I am writing to formally report what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding the inaccurate reporting of my XXXX XXXXXXXX XXXX XXXX XXXX ) account. The account is currently listed as a charge-off, which is incorrect. 

In a recent phone conversation with XXXX I was informed that this account is not a charge-off. Furthermore, XXXX XXXX Credit Dispute Department confirmed that the reporting for this account is accurate and should be listed as " settled for less than owed '' with all three credit reporting agencies. Under the FCRA, if an account is reported inaccurately, it must be removed from a consumer 's report. 

I will be uploading my conversation with XXXX  which clearly indicates that the account in question is settled and does not state that it is a charge-off. This documentation supports my claim that Equifax is in violation of the FCRA by failing to report the correct status of this account. 

I kindly request that the CFPB investigate this matter and assist in rectifying the inaccurate information being reported by Equifax. This is clearly a violation of the FCRA, reporting inaccurate information in my consumer report. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX has all 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; 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
Product: Checking or savings account

A few weeks ago my entire wallet was stolen while I was going on a hike upstate New York. Whoever this person is charged my card for XXXX usd with XXXX. And I clearly was not the person who made this charge of authorized it. 

I reported the card lost and stolen to my bank. In 7 days ( Just today ) they sent me an email that said " We have closed your claim and we have determined that no error occurred ''. First of all I never said it was an error. I SAID THAT MONEY WAS STOLEN AND MY WALLET WAS STOLEN. I called them right away and they where unable to give me an answer on why it was closed and the representative couldn't even give me an answer for that and said I only see the same info that was on your email that you just told me about. 

I don't understand how a bank can handle this that way. Usually banks will provide documentations on why it was closed and what the final result was. Chime is a scam and very fraudulent. And I'm urging people to really not join CHIME because it's the most fraudulent bank I have every dealt with. 

I have not gotten any XXXX back from my stolen money. And chime has no interest in getting my money back neither did they show any effort. I will be officially filing a lawsuit against chime cause it is the second time my money gets stolen from this account even tho chime has changed my cards when reported lost. Chime is refusing to give me my money back even though they claim that they offer fraud protection which clearly they are not cause they are frauds themselves. I asked for proof so that I can see how they think I made that purchase and they couldn't offer any. I was told by a representative they don't know why they closed the only info she sees is that is that the claim is closed. I have not seen any documentation from Chime explaining to me why this decision came to be and even tho my money was stolen nothing was done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to Barclay 's Bank ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
Barclays reported the account as delinquent on XX/XX/2022. 
I was not notified by Barclay 's Bank.

I do not have the " new '' account number or any other pertinent information to make payments with Barclay.

I became aware only when I received a credit monitoring alert stating that my XXXX score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Product: Debt collection

The debt is from 2007 ( over 6 years in the state of Tennessee ) They have NEVER read me the XXXX XXXX They called my father and left a Complaint number and told him I could be arrested for failure to appear because they had been trying to reach me and sent a sheriff to my home. ( It was an old address from 3 years ago ) and left my dad a phone number and case number I called them and they told me the same thing. Would not provide proof stated once I paid a portion ( first payment of {$640.00} they could send a letter and stated due to the urgency of the matter by the time I got the letter it would be too late as the papers were waiting to be delivered for the lawsuit I paid XXXX and of XXXX putting the rest on a payment plan in XXXX weeks a {$320.00} was due and I called to make a payment as I was scared to be sued and wages garnished when I called they stated my payment was scheduled to run the following day. I advised them I never gave permission for my card to be kept on file or ran a second time
Product: Credit reporting, credit repair services, or other personal consumer reports

During this day a Transunion representative told me that they directly contacted the federal court to corroborate two accounts that appear in my credit report XXXX and XXXX Once again Transunion committed a Fair Credit Reporting Act violation. I included a copy of a letter directly from the US Bankruptcy court where the attorney advisor to the clerk of court Mr. XXXX inform and I quote The fair credit reporting act is inapplicable to the Court because the court is not a consumer reporting agency. The court does not verify any information held by credit bureaus In addition, according to the Transunion web page they indicate that the public bankruptcy information they collected on or before XX/XX/2018 was through XXXX. I have a letter from XXXX XXXX that case XXXX and XXXX are no longer listed. I need all bankruptcy information currently showing under my social security number to be permanently deleted from my credit report immediately
Product: Money transfer, virtual currency, or money service

My Xoom account has been hacked and an unauthorized amount is drawn from my linked bank account. The hacker initiated a transfer from my Xoom account on XX/XX/2023, XXXXXXXX XXXX XXXX  When I saw the transaction email from Xoom in the morning, I immediately ( at XXXX XXXX ), I notified them via email that this transaction is a hack and asked for their help ( case # XXXX ). I think the case number is generated automatically and Xoom never contacted me about the Fraud complaint. I was trying to reach them over the phone to take immediate action to prevent the fraud, but it took many attempts and finally talked to their customer service department to stop taking money from my bank account. They did not stop the transaction although although I complain the immidiately about the hack. I was panicked but Xoom did not take the fraud seriously and they took my money from bank account on XX/XX/XXXX. I did not receive any response from Xoom about the fraud so far. I think the whole Xoom service is a fraud, and they are not taking the hacking seriously!!!! Hope this is not happening to another consumer. Xoom should immediately fix their system so the hacker can not break their system to steal money from other consumer money. Xoom should return my money immediately and I'm asking CFPB to please investigate this hack ASAP to prevent this to happen to another consumer.
Product: Checking or savings account

I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.
Product: Mortgage

I and my short sale negotiator, has been trying to work with baview loan LLC, for over a year now. I was approved for the short sale, to prevent foreclosure. But it has been very difficult dealing with the asset manger,  XXXX   XXXX . Below I ATTACHED an email thread from my realtor, the conversation he has had with  XXXX   XXXX , we have found a buyer, also the contact has been signed. The expected closing date  XXXX / XXXX / 2017 , I received a letter from bayview  XXXX   XXXX ,  2017 . The letter was dated  XXXX   XXXX ,    2017  stating I was denied a short sale, due to timing and they do n't have enough time to process the paper work. I have been trying to reach out, I was told they dont know who I am, also I 'm not authorized to speak with  XXXX   XXXX . Which is very strAnge because I was sent letter, also i have spoken with  XXXX   XXXX  on several occasions. They sent a letter 15 days after they summited to foreclosure. Which doesnt make since, if we have gotten an appraisal on the home, found buyers, they have excepted the offer and all parties have agreed to the terms. Including  XXXX   XXXX   XXXX   (  asset manger ) at Bayview loan LLC. After the letter there have been several attempts to contact  XXXX   XXXX   XXXX , via phone and email. Several voice mails. Also we have reached out to customer service, to seek help or some type of answers. On why was a foreclosure sale has been in place. We have been doing everything we can to work with  XXXX   XXXX   XXXX , but it has been no success. My loan is a Va loan.
Product: Mortgage

On XX/XX/XXXX I went into Keybank to withdraw investment funds to pay for my XXXX property taxes, only to learn that on XX/XX/XXXX Keybank had paid the XXXX property taxes in full with their payment of {$2800.00} with no notice to me of their intent. I also learned that they had implemented an escrow account to manage my property taxes moving forward, and raised my monthly mortgage payment from {$850.00} to {$1500.00}. While there at the Keybank XXXX XXXX branch, I had XXXX XXXX, Asst Vice President/Branch Manager and XXXX XXXX , XXXX XXXX XXXX confirm that the Keybank Mortgage division had not informed of the intent to pay my property tax, establish a new escrow account, and raise my monthly mortgage payment to {$1500.00} - nearly double of the current {$850.00}. I was shown online that Keybank had sent a letter in XXXX, but they sent it to an incorrect address. The letter was sent to my physical address where I receive no mail. I have been a Keybank customer for 30 years and my current mailing address of XXXX XXXX XXXX, XXXX XXXX XXXX is what is listed on the Keybank brokerage account, as well as all individual accounts - checking, savings, mortgage loan, and investment accounts. Due to their internal mailing error I received no communication from the bank that would have allowed me to make the property tax payment before they blindsided me with crippling financial changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA XXXX states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that Experian XXXX and XXXX are neglecting to accurately investigate and report. Experian has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.