23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from a law office stating that I owed an amount for a medical service done on XX/XX/2022 which I had not received. I do not reside in the location where this service is said to have been provided. The amount I am being charged is {$2900.00} for medical services provided by XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, and is being collected on by Harris & Harris Ltd. based out of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. 

For context, is the second time that a company tries to collect money from me. I already tried to file a police report for a ticket that was issued to my name on a car that did not belong to me, as some one used my information and got a vehicle registered under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Equifax has not paid violations invoice as attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times, both by fax and certified mail. They refuse to correct two pieces of incorrect information.

1. A collection account from XXXX for {$210.00}, which has been paid and I have provided proof several times. XXXX says they have submitted it as paid. Equifax will not remove it. 
2. A medical bill from 2013 from " XXXX XXXX  XXXX '' which is time-barred and shouldn't even be on my report. Proof has also been sent numerous times. 
I have the certified mail receipts and fax transaction reports as well. 
I've attempted to contact by phone and never get anyone who speaks English well enough to communicate with, chat refuses to help with credit reports. I have also been " disconnected '' twice when I call. 
Their website will not show me the results of the disputes I've made and they told me two weeks ago they would send me a paper copy in the mail of my report. To date, nothing received.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Product: Debt collection

This company contacted me regarding an alleged debt that I do know owe. In the letter it states that I can not be sued for this debt because of the age. Therefore I demand that this company cease and desist contacting me regarding debt I do not owe and is not collectible and to not then sell this alleged debt to another company..
Product: Credit card

XX/XX/XXXX I checked my statements and discovered XXXX fraudulent charges from XXXX. Immediately called the number on the back of the card and reported it. I was told the card would be deactivated and charges would be issued provisional credits while they investigate XXXX XXXX XXXX : XX/XX/year> {$250.00} XX/XX/XXXX I received email from coinbase card stating the credits are being reversed because I " benefited from the transaction ''. They asked for more information. The only information I had was the charge on my card. I informed them that I don't know this merchant and have never ordered anything or received anything from them. They suggested I contact the merchant. I googled them and discovered they sell skincare products made for dark skinned women! I am white. I never ordered anything. I sent the merchant an email asking about the charges. No response. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX : XX/XX/year> {$300.00} XX/XX/XXXX same message saying I " benefited from the transaction '' and credits will be reversed. Emailed back telling them I did not authorize this charge. Again I was told to contact the merchant. XXXX search revealed only that the domain is for sale. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX XX/XX/year> {$250.00} XX/XX/XXXX same message saying I 'benefited from the transaction '' and credits will be reversed. Again I was told to contact the merchant. This time I managed to get a human being who told me she could not find any record of this transaction and that thay would research it. Haven't heard back. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX XX/XX/year> {$50.00} XX/XX/XXXX same thing. They say I " benefited from the transaction '' This one is especially challenging. When I googled it the website is all in XXXX! I managed to get a translation and sent a message via their website. No response. I again demanded documentation used to deny my claim. 
XX/XX/XXXX Email from coinbase card card stating claim is denied because " Cardholder email is on the merchant documentation '' Of couse it is! They are the ones who asked me to contact the merchant. This is not documentation. Where is the invoice? What was ordered? Where was it sent? When???? Who did you talk to? where is the email you sent them???? THERE IS NO DOCUMENTATION BECAUSE THIS IS FRAUDULENT ALL THESE CHARGES ARE FRAUDULENT AND SHOULD HAVE BEEN DECLINED FROM THE START.
Product: Checking or savings account

Chase closed my account, after I transferred money from an account that I am a writer on, to my Chase account. They said it was fraudulent. XXXX XXXX XXXX XXXX XXXX said I had every right to transfer the money out of the account, to the Chase Account.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :
Product: Mortgage

To whom it may concern Fifth Third Bank is reporting a 30-day late payment on my credit report for the month XX/XX/XXXX. This is an erroneous error. 

I made two payments for the mortgage payment for the month of XXXX, A payment for {$2400.00} posted on XX/XX/XXXX and a payment of {$1000.00} was posted on XX/XX/XXXX. Totaling the full amount due for the month of XXXX of {$3400.00}. So at no point were the payments a full 30 days past due. 

I tried to resolve this several times with Fifth Third Bank but I was not successful in getting them to properly investigate it. 

I am currently applying for a mortgage and the late mark is affecting my credit score and approval Please find my bank records, Mortgage Statements, and credit report attached
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, TransUnion stated in their response to my complaint : CFPB file # XXXX, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is the creditor and also the data furnisher is right about the status of the inaccurate account on my credit report. 
Please be advised that this is the type of stall tactics that Transunion has been using against me for more than a year instead of deleting this inaccurately reported account from my credit report. 
I did not dispute the status of the account rather i am disputing the following incorrect information : * The date of last payment reported by TransUnion is XXXX. This information is incorrect as i have attached a statement from ( XXXX ) showing the date of last payment for review. 
* TransUnion reports the account as been 60 days late in XX/XX/2018 again this reporting is erroneous since i made a payment in XX/XX/2018. You can also verify this information in the attachment.
Product: Mortgage

Below is the letter that I sent the company describing the issue regarding payment fees : To Whom it May Concern : Paying your bills on time is a must in America. What is foul is that you charge individuals after the XXXX of each month. The usual terms in a mortgage is that you must until the XXXX of each month to pay. It is the XX/XX/XXXX and XXXX XXXX applies that it's ok to charge people via the phone or the website. The only ways to avoid these charges ( $ XXXX- {$12.00} prior to the XXXX of each month ) is to do bill pay thru my Bank and or mail a check. This is not XXXX 's, its XX/XX/2018. The methods that are convenient for consumers and your company has a toll. Thats between $ XXXX- {$140.00} annually just because my loan was sold another loan company. As a consumer I have no power over who sells my loan. 
When I first used the phone payment, it takes two business days. Thru my Bank it's going to take 5 business days. I contacted LoanCare via phone and talked with XXXX XXXX XXXX. I communicated with her regarding the issue and she even told me that her loan ( Different Loan Company ) allows payment without extra fees prior to the XXXX. XXXX XXXX is an asset to your company because she explained the issue and it basically over her pay grade. I'm contacting the Consumer Financial Protection Bureau to voice the issues. Check what XXXX says about your website. Stop stealing from hard working Americans that understand the value of paying their bills on time. 

Regards, XXXX XXXX
Product: Credit card

I am an XXXX XXXX XXXXXXXX veteran, and I required multiple surgeries  to XXXX XXXX XXXX XXXX XXXX While hospitalized and going thru XXXX  my Capital One Accounts were compromised by misappropriations, conversions, bailments, theft, burglary, Identity Theft and other criminal acts. My linked accounts set up to make payments were frozen due to unauthorized access to funds, and attempts to access funds through forged checks, incorrect access methods, and other data breaching methods without my knowledge and or authorization. When I received notices, I attempted to make payments with Capital One and was denied over the phone, at the ATM, and when making attempts at the Local branches located at 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 was denied sufficient customer service and access to my accounts. 

I notified Capital One by phone numerous times that the United States Mails had been compromised in violation of Title codes 18 U.S.C 1701 : US Code - Section 1701 : Obstruction of mails generally ; 18 U.S.C 1702 : US Code - Section 1702 : Obstruction of correspondence to one or more customers ' accounts. Capital One responded by closing my accounts while attempting to make transfers from FDIC Insured and NCUA protected Institutions in violation of TILA and agreements ; namely but not limited to Navy Federal Credit Union. I notified Capital One that I had documented evidence and proffers of proofs to substantiate that Unsubs were engaging in Criminal Conspiracy to defraud not only Capital One but one or more customers, clients, and businesses. Capital One has conducted business in conflict with its nationally broadcasted advertisements and published contracts.
Product: Credit reporting or other personal consumer reports

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Product: Checking or savings account

On XXXX XXXX XXXX  I mobile deposited a check in the amount of XXXX the app stated my funds would be available on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I attempted to pay a bill as the funds showed available in my account. But it was declined I called customer service and was told my account was now frozen and the check needed to be verified as it was a third party check. Unfortunately my roommate who the check was written for had no number they could verifiy in the system so my account was closed. They cashed the check and now refuse to release the funds from it. We have contacted the other bank who wrote the check and have been told there is nothing they can do as the check was cashed. Now chase is stating unless we can provide a verified number in my roommates name the will hold these funds for 2 years and then they will be put in a unclaimed funds XXXX account. I just want the money we are owed from the check they cashed
Product: Debt collection

Keep receiving calls multiple times a day from different numbers under the same company, Portfolio Recovery. I don't have any debt from this company at all ive told them to stop calling, ive tried blocking multiple numbers they've used and have still been receiving calls for the past 2 months on a daily basis multiple times a day.
Product: Credit reporting or other personal consumer reports

I have sued and disputed inaccuracies for over a year only to have them marked as duplicates when they wouldn't be duplicate if the credit companies had done thorough investigations in the first place instead of waiting to get sued. If you look through my history I continue to dispute inaccuracies for the same reason and they need to be REMOVED simply because it is a violation of the rules please see the following PDF 's attached.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide validation, and the purchase agreement to show full ownership of such account and also any other documents so I may review to see if this is actually an account that belongs to me.
Product: Money transfer, virtual currency, or money service

AtXXXX XXXX  Wednesday XXXX XXXX texting with ( XXXX ) XXXX ( sms/mms ). 
Yesterday I got a text message on my phone ( XXXX XXXX saying that I sent a payment to XXXX XXXX from PayPal Amount:XXXX XXXX reference ID : XXXX if not me? XXXX to dispute. 
So I called, some XXXX  answered and the put over to his supervisor XXXX XXXX another XXXX  voice. He told me they would have to go to my PayPal account, but I have a hard time with computers and phones so he directed me to my XXXX XXXX account. He told me to touch them clock symbol so I did then to touch home symbol then the add cash then go to my profile then to my debit card. Then I xed out of that page and went to then touch the XXXX dots I did then punch in XXXX and hit add cash and to confirm it. I did this a number of times with different amounts XXXX. All those amounts failed except XXXX this money went to some person called XXXX XXXX. So that person has XXXX of my money. $ XXXX. Then I said wait a minute you just took my money, he kept saying that I would get it back. Now he tells me to go to XXXX, XXXX or anywhere that I could get a XXXX gift card from XXXX or XXXX, or XXXX. He said to purchase it and give him the numbers. I didn't do it cause I don't have that kind of money and don't want to lose another XXXX. I'm on XXXX retirement He said I would get it all back. I was thinking XXXX no. He kept saying it was for security reasons. 
Is all of this sounding liget to you. It doesn't to me. Please get my XXXX ASAP. This person sent me a E mail saying he works at Consumer Financial Protection Bereau.Said he's liget I still don't believe it. As nd gave me a ref : XXXX reason has been given due to Identity theft as per PayPal XXXX. Signed XXXX XXXX Consumer Financial Protection Bereau. If this is legit please let me know. Cause doesn't sound like it to me. Thank you, XXXX XXXX XXXX E mail is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wells Fargo claimed I and I alone ; deposited and withdrew money, that I have had no knowledge of. I have received multiple letters in the mail to pay a certain amount as they had already stolen the money I had in the now closed account. 
The account was compromised XXXX XXXX XXXX, and has been a struggle paying a debt I was not involved in.
Product: Credit card or prepaid card

Some time back I called Chase about not being able to use the chase.com website or app on my phone. There had been a series of glitches that left me unable to access my account online. I had two Chase cards. By the time I called them I was so frustrated that I stated that I would like to cancel both cards. Obviously, they wanted me to talk with an advisor before canceling the cards. I was transferred to an advisor and eventually was able to access my account online. The advisor then asked if I wanted to keep the cards open or cancel to which I responded that I would keep them. A few weeks ago I learned that Chase had cancelled one of the cards -- -incidentally a card that they are no longer offering and has unique benefits for travel. Chase had not cancelled the other card. I called and was directed to a supervisor who offered to reinstate my card, but, by pulling a credit check, however she said that she understood my not wanting to do that and would be willing to escalate my case and have the audio file of the phone call reviewed in order for them to respond to my concern. I agreed to that. I was told that Chase would get back with me with their findings. Today, nearly four weeks later, and, having received no word from Chase I called again to receive the status of my case. I was told that a letter had been sent which stated that my situation had been escalated as far as it could go. I responded that I had not received a letter and asked what the audio file had revealed, knowing that it would make clear that I had not asked for my account to be closed. The response from the supervisor was that they were unable to tell from the audio file. She went on to say that since 60 days had passed, they were unable to reinstate my account. I have a perfect credit history with Chase and have no explanation as to why the company has handled my situation in this way.
Product: Debt collection

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Product: Debt collection

ive received calls from at & t about a cellphone or bill that wasn't mine ive had XXXX for years my mother pays the bill. my credit is very good I don't open things without paying or having knowledge of the account ive told them and provide documents of my cell phone history I have never had at & t or a bill from at & t to know where to start sunrise credit service {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.