23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a charged off account with XXXX and they gave it to Zwicker and Associates to collect the balance from me. I entered a payment plan in XXXX for an amount that was XXXX XXXX  less than the amount owed. In XX/XX/XXXX, Wicker and Associates offered another settlement for less than the original settlement amount, they sent me a letter confirming if the settlement in he amount of {$17000.00} was paid in full by XX/XX/XXXX the account would be settled. I overnight a check in the amount of {$17000.00} and they received it by XX/XX/XXXX. The amount of the check was deducted from the charged off amount on my credit report, but there is still a balance of the difference of the original amount and the agreed upon settlement amount. I have settled 5 additional accounts with other companies and the has never happened so I called to get an understanding and request a letter confirming my account was settled. The person was very hostile and told me he could no longer discuss my account and it went back to XXXX. When I called XXXX they said the account was with Zwicker and Associates and they did not have additional information. I feel like this law firm has been a scam from the beginning when they would call threatening to sue me if I did not pay. In this case, they took my money and my did not settle my account as they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Dispute of Collection Accounts Request for Immediate Removal Absolute Resolutions Dear Sir/Madam, I am writing to formally dispute the collection accounts listed on my credit report and to request their immediate removal, as I believe these accounts violate several provisions of the Fair Credit Reporting Act ( FCRA ). Below are the key points and supporting legal references that justify the removal of these accounts : - No Consent or Authorization : I have never agreed to or provided any consent for any party to report a debt or collection account to the credit bureaus. Therefore, the inclusion of these accounts on my credit report is unauthorized and unlawful under XXXX U.S.C. XXXXc. 
- Failure to Provide Documentation : The debt collector has not provided me with the necessary purchase agreement from the original creditor, including critical details such as the purchase date, the original debt amount, and the purchase price. Without this information, the debt can not be substantiated, as required by XXXX U.S. CXXXX XXXXg, which mandates that a debt collector must provide verification of a debt when requested. 
- Out of Statute Debt : The debt is more than XXXX XXXX XXXX and, therefore, falls outside the statute of limitations for reporting under XXXX U.S. CXXXX XXXXB. As a result, this debt should no longer be reported on my credit file. 
- Inaccurate Reporting : The reported amounts and dates have been inconsistent across the XXXX credit bureaus. The amounts reported and the dates of reporting vary each time I dispute, indicating that the information provided is inaccurate and unreliable. This violates XXXX U.S.C. XXXXe ( b ), which mandates that credit bureaus ensure the accuracy and completeness of all information they report. 
- Failure to Provide Proof of Investigation : Under XXXX U.S.C. XXXX ( a ), XXXX is required to thoroughly investigate my disputes and provide proof of such investigations. However, XXXX has failed to provide any evidence of investigation into the accuracy of the debt or how the debt collector was contacted. Additionally, I have not received any information regarding the individuals involved in the verification process or when and how they communicated with the debt collector. This constitutes a sham investigation and further violates the requirements set forth in the FCRA. 

As per the aforementioned violations, I am requesting the immediate removal of these collection accounts from my credit report. Both the debt collector and XXXX have failed to comply with FCRA laws, and I am entitled to have this inaccurate and outdated information removed from my credit file. 

I trust that you will take prompt action to rectify this situation and remove these accounts from my credit report in compliance with the FCRA. 

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

As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/2020 by my XXXX XXXX XXXX XXXX ID. My former creditor XXXX has reported fraudulent account information to Experian Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with XXXX. I paid off my auto loan with no balance and the company mailed me my vehicle Title. XXXX has reported to Experian that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to Experian has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, and XX/XX/2019, I exercised my rights under 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, regarding an inaccurate account on my credit reports from SYNC Bank/Amazon, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have submitted a claim to the Trans Union credit bureau, but did not comply with all the requests. Trans Union arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX Loans company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX XXXXXXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX Loans company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter  XXXX  bankruptcy in   XXXX   I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and  XXXX  refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with TransUnion on XX/XX/2018. As of XX/XX/2018, dispute still under investigation. Contacted TransUnion on XX/XX/2018 regarding matter at phone XXXX. The rep. ( name unknown ) indicated that he would initiate a new dispute. No activity on the TransUnion website to indicate a dispute was initiated. Address for TransUnion is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I monitor my credit scores through XXXX XXXX & XXXX XXXX. The collection was paid in full to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX on XX/XX/2018. XXXX  has acknowledged the acct. paid in full per XXXX XXXX. 

XXXX XXXX messaged indicating acct. paid in full on XX/XX/2018.  XXXX XXXX XXXX has since reported account delinquent to TransUnion on XX/XX/2018.
Product: Mortgage

US bank without my consent withdrew extra money from my account. They also claimed that they paid taxes on XXXX but it was not paid until the XXXX XXXX  XXXX which I ended up requiring a late fee. I was told and have a voicemail that they will pay the late fee and will return the money that was illegally taken from my account ( 233.88 ) dollars on XX/XX/XXXX. 

Now that this point this should have been resolved. However instead of returning the XXXX dollars back to my account. They took it back again. At this point they illegally took XXXX dollars from my escrow with out my consent. The second type they withdrew it was labeled as mortgage disbursement and the first time it was labeled as tax disbursement they never sent money anywhere. On XX/XX/XXXX, they took another XXXX labeled as mortgage disbursement. 

This should not be the case. They illegally took money from my account. And it seems that they are taking money out of my escrow as a mortgage disbursement. 

This looks like https : XXXX Violations for this complaint : Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and Broker Price Opinions. 
Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.
Product: Credit card or prepaid card

This is continued follow-up and documentation re : complaint XXXX. 
American Express applied a penalty APR of 29.99 % to my Business Blue account. They claim I missed a payment in XX/XX/XXXX and thus it was applied, and they will review in 12 months. First, this is not correct. On XX/XX/XXXX, I made a XX/XX/XXXX payment of {$1500.00}, and on XX/XX/XXXX, I paid the XX/XX/XXXX bill early, making another payment of {$2800.00} on that date : this was an early payment for XXXX. The XX/XX/XXXX payment of {$500.00} was the XX/XX/XXXX payment. I was charged a penalty APR of 29.99 % for over a year because American Express was confused over an early payment. I also want to know what CFPB 's role is in helping with credit card fraud. This is the agency tasked with protecting consumers, and I intend to pursue action with a lawyer. This is how egregious conducting business with credit card companies has become : I have been a customer of theirs since XXXX ( both Business Blue and American Express Platinum ) and *never* missed a payment. In addition, according to Amex, whom is inaccurate in their response, 1 ) they charged the penalty APR of 29.99 % because I was ( according to them but incorrectly ) 6 days late with a payment ( after 20 years of no missed payments - ever ), and 2 ) they can apply the penalty APR of 29.99 % for over 12 months. According to the Credit Act of 2009, the penalty APR of 29.99 % can not be applied until after 60 days of late payment ; and 2 ) the penalty rate must be removed after 6 months. So, on all fronts, American Express is incorrect. What is the role of CFPB in helping consumers with this injustice?
Product: Credit reporting or other personal consumer reports

I received a threatening email from XXXX regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly EFT how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly EFT payments. Initially, I dismissed this as XXXX being behind and in allocating my payments to to my account since the recent transaction from XXXX. 

Despite formally disputing the balance and payment history XXXX reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On three separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.
Product: Credit card

on XX/XX/year> I received an email indicating i owed XXXX which was my bill of XXXX from XXXX plus a late fee. i called in to make the payment on XX/XX/year> and received payment confirmation for this charge. i did not realize that in the same day i was charged XXXX as well which when removed i assumed it was for my rent ; however, when i attempted to settle up for the year i was advised XXXX month was not accounted for. i then retraced my account to see that I was charged twice from bridgecrest. i then contacted them and was given the run around. i asked to hear the call where i called to give permission for my charge and was again given a run around. i contacted fifth third bank who promised to review and assist with this issue. i was given a provisional credit for the payment and asked to submit proof which was put on the wrong case by the fifth third team which caused my case to be closed and the bank to withdraw the money back but i didnt have this in my account so i am not only in the negative but now my account will take my check for this pay period. i was able to get the case reopened but i am not able to take care of my family i have not been able to eat since thursday and now my check will be absorbed until they complete their review which will take another XXXX  days to complete. i am in dire straights per their error and the erroneous charge from bridgecrest and no one is even assisting to help
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 these violations.
Product: Credit reporting or other personal consumer reports

" I am filing this complaint because XXXX XXXX XXXX has reported a collection account on my credit report without my authorization or valid verification of the debt.

Under the Fair Credit Reporting Act ( FCRA ) Section 603 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) Section 809, it is illegal for a debt collector to report negative information without my consent and without proper validation. 

I have not received proof that this debt is valid or that the collector has the right to report it. Despite my previous disputes, they have failed to provide documentation. This is a violation of my consumer rights. 

I request the CFPB to investigate this matter and require the immediate removal of this unauthorized collection from my credit report. I also request that the debt collector provide written proof if they claim to have my consent to report this debt. ''
Product: Credit reporting or other personal consumer reports

It is frustrating to have discrepancies across my credit reports. XXXX has mostly accurate information, except for the XXXX XXXX XXXX XXXX  However, Experian and XXXX did not remove this account, and it remains on your credit report, negatively impacting your XXXX XXXX. XXXX XXXX XXXX XXXX  balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX  % utilized. 

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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 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.