23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter for emergency room services from XXXX XXXX  XXXX ( XXXX XXXX was the ER I visited ). I immediately called because my insurance company XXXX had already paid it. The doctor acknowledged getting paid but states they didnt receive an Explanation of Benefits so they couldnt verify they got paid enough. I brought my insurance company on the line and they confirmed an EOB was sent and verified the address. The doctors office said their addresses had changed so they didnt get it. XXXX stated the doctors office never updated their address with XXXX. XXXX sent a copy of the EOB to the doctors office again. I had spent over two hours on the phone with the doctors office this day. A month or so later, the debt was reported as a collection to my credit. My EOB clearly shows a patient responsibility of {$0.00}. Under XXXX rules, any provider who accepts them agrees their payout is final and patients can not be billed the difference so theres nothing left for them to verify. They got paid.
Product: Checking or savings account

Truist has once again charged me an overdraft fee even though I have overdraft protection turned off. Instead of declining the charge, they accepted it and charged me {$36.00}. I have addressed this pattern of junk fees in multiple complaints. None of those complaints have been addressed satisfactorily. In the last company response, they used account info that was not in line with the information provided through my banking portal. I am accusing Truist of charging junk fees, which have been deemed illegal. Until this matter is properly investigated by an outside source and not a dishonest Truist representative, I will continue to file complaints as I am being continually lied to. They are purposely manipulating pending charges on customers ' bank accounts in order to charge their customers more junk overdraft fees. I believe an investigation into this practice is merited and if there is an investigation, you will find a policy or culture of applying junk fees to the most vulnerable of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted a credit report from transunion at no point during my sign up was I told I was going to be charged {$26.00} or signed up for a monthly credit monitoring service. But I was
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX. It was an unauthorized person get into my cash app. And took out funds. In the amount of XXXX
Product: Credit card or prepaid card

I have a Best Buy and a Home  Depot Card through Citi Bank. Unfortunately on XX/XX/XXXX I was XXXX  with the XXXX. Since then I have struggled with my health and been XXXX  XXXX. I am also a XXXX XXXX XXXX who had to shut down and has been out of work since XXXX as well. I received tons of calls within 2 days after my first EVER missed payment and I told them I had XXXX and to please stop calling 5-10 times a day about the payment because I was deathly ill and couldn't make it right then but will once all this is over and I am able as I have NEVER missed a payment. They offered no assistance and were very rude and shut my card use off completely. IN A TIME OF CRISIS THEY SHUT MY CARDS OFF BECAUSE I WAS LATE ON MY PAYMENT FOR THE FIRST TIME IN ALL THE YEARS IVE HAD THESE CARDS WITH THEM. Since then they have reported to my credit bureaus that I am past due badly damaging my credit rating and also added late fees for XXXX and XXXX now and interest charges as well. I applied on their website for assistance and they denied me. I am appaled this is how they treat their consumers during a global pandemic. Especially one with accounts in good standing until this happened. This is absolutely unacceptable and they need to make this right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties.

Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the XXXX XXXX XXXX XXXX has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims.

Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.

I have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.

Under the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations.

I kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA.

Notification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me.

Compliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes.

If I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA.

Please consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws.

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I see no changes for what I filed last monyh, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Bank account or service

I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXXXXXX XXXX XXXX XXXXXX/XX/year> To : Transunion XXXX XXXX XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, BankruptcyXXXX XXXX, Bankruptcy-XXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXX TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification.

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification.

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

High Balance : {$XXXX} Credit Bureaus Reporting : TransUnion and XXXX Issues and Violations 1. Discrepancies in Reporting The account status is reported as closed on both credit bureaus, which is inconsistent with the Date of Last Activity being reported as XX/XX/XXXX on TransUnion and XX/XX/XXXX on XXXX. This inconsistency violates FCRA Section 1681e ( b ), which requires accurate reporting of information. 
2. Lack of Proper Verification Both credit bureaus report that the account has been resolved, but it remains disputed by me. FCRA Section 1681i ( a ) ( 5 ) mandates that the creditor must provide proper documentation of the debt, which has not been provided. As a result, this account is unverifiable and should be deleted.

3. Failure to Properly Report The remarks from the creditor indicate a dispute resolution, but no substantiating details are provided. Per FCRA Section 1681i ( a ) ( 1 ), when a dispute is reported, the creditor must provide verification, which has not occurred.

4. No Reporting of Payment History or Past Due Amount Neither credit bureau reports any payment history or past due amount for this account, further confirming that the information is incomplete and unverifiable. This violates FCRA Section 1681i ( a ) ( 5 ) ( A ), which requires the reporting of accurate and complete information.
Product: Prepaid card

Bank of America denied me additional compensation for Edd debit card fraud frozen accounts unauthorized transactions there excuse is that the financial harm they caused me was not over XXXX dollars of the amount they already send me and it is thats the excuse they gave me so they can make a final decision and I cant do anything about it after there desicion is final thats an excuse there using so they dont have to pay for what they caused my family and I during the pandemic
Product: Debt collection

I XXXX XXXX is writing this letter to dispute a charge on my credit report. On XX/XX/2019 I allowed Source Receivables Management to charge XXXX from my XXXX XXXX XXXX account. Making this payment my XXXX account was supposed to be settled. Closed out. Source Receivables Management sent me a letter of confirmation. Two months later I noticed they placed this account back on as open. I phoned Source Receivables Management and they stated they never received the money. That I called my bank and told them not to pay the XXXX. This is not true. Source Receivables Management was paid and I requested a letter of proof from my bank. This letter is enclosed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX  and I am not working right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Accounting for Corrections made by Chase in miscalculation of my principal balance, as stated in their correspondence, has not been disclosed.

Accounting for loan has not yet been provided for years XXXX Yearly tax statement from XXXX requested but not recieved.

ARM Amortization table for my loan will not be provided by bank.
Product: Debt collection

Late XXXX I found out my former landlord ( XXXX XXXX ) sent a balance to collections to National credit Systems. XXXX did not follow MI law pursuant MCL XXXX and take me to small claims to recover " damages ''. In turn took them to court as well as counter-sued. The court ruled that I did not have to pay XXXX XXXX anything but stated they could not award me damages either. XXXX was supposed to notify the collections agency and didn't. I notified them and sent them the court judgment. They, however failed to remove the collections, which has had a negative impact on my credit since the ruling in XXXX of XXXX. Pursuant 15 U.S. Code 1681i National Credit Systems had 30 days to investigate and let me know their determination, which they did not. Ove called almost 4 times a week to reach the rep in charge of my account and sheer, XXXX XXXX, has failed to return my voicemails and emails and has not called me back. Every time I call she is conveniently on lunch or another short break. The court judgement is attached to this complaint as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor ) N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Checking or savings account

This is a copy of the letter I sent CFPB on XX/XX/2024, to the address I was told to send it when I called on or about the above-referenced date. 

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Consumer Guide XXXX XXXX : Ally Bank Account Number : XXXX Debit Card : XXXX Fraudulent Charge Dear Sir/Madam : I have been trying to resolve a Fraudulent Charge mode on my Debit Card with Ally Bank XXXX I send a letter to Federal Reserve Consumer Help On XX/XX/2024 and received a email fro them on XX/XX/2024. I wrongly believed that they had forwarded the information to you. 

On XX/XX/2024, I called the CFPB to inquiry about the status of the complaint and spoke to XXXX XXXX XXXX who questioned why they had not forward it to you. 

Therefore, I am sending to you the package I sent to The Federal Reserve Consumer Help. 
The Following items are enclosed : 1. The Dispute Investigation Completed Letter. 
2. A copy of the Certified Mail Receipt for the letter to XXXX XXXX ( The tracking number shows that the letter was delivered on Friday, XXXX XXXX XXXX XXXX XXXX, and left with the individual ). 
3. Letter to XXXX XXXX XXXX. Copy of the U.S. Postal Service Certified Mail receipt.

If you need further information, please get in touch with me. 
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