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

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by TransUnion. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

The XXXX XXXX XXXX account is inaccurate for the following reasons : XXXX. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 

XXXX. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. 

In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit card

I opened the US Bank Business Leverage card on XX/XX/XXXX. I was unaware that their business credit cards have a central billing system. I could not pay on the card account, so I called customer service. I made the payment on the account for the statement credit. She explained that business cards have central billing and I must create a new account for it. She also mentioned I could merge the billing account with my credit card, so I would be able to make payments on the card directly. She told me that the change would take place after the second billing cycle. At the time, I had about XXXX points ( worth {$27.00} ) after the first billing cycle, and I made about {$2800.00} in purchases during the second billing cycle. I should have about XXXX points balance after the second statement, but my reward balance went to ( XXXX ) balance after the second billing statement. I called customer service on XX/XX/XXXX and was told that due to the merging of the account, I forfeited all my points. To which I replied : " I was never told by the rep I spoke with. Otherwise, I would redeem all my points, and would never ask for the change ''. She offered me only XXXX points ( worth {$25.00} ), and I told her that I lost more than twice as much from the first two billing statements. She transferred my call to the supervisor, but he/she did not answer. She set up a call from a supervisor within 24 hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX, Self, capital XXXX, XXXX finances, XXXX main Financial, affirm, klarna, my only address is the XXXX stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( XXXX ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more. 

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within XXXX  days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed numerous times with Equifax concerning Equifax has continued to state that XXXX County contacted them and verified this information. XXXX County Clerk of Courts stated they did not report any information at any time. Equifax has been violating the FCRA and stating that they did and giving their contact information and its not factual
Product: Money transfer, virtual currency, or money service

I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. 

I reported the incident to my bank, PNC. I also filed a police report. 
PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  ACCT. # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My first complaint involves the unauthorized charge of XXXX to my account by the XXXX company in XXXX XXXX, MD. They accused me damaging panels underneath their vehicles and never contacted my car insurance company about this matter. The XXXX receipt only reflects my signature for a XXXX fee to rent the vehicle. I did not find out about the second charge of XXXX to my account until I received a billing statement for month XX/XX/2012. Ive contacted both XXXX and XXXX XXXX XXXX to resolve this matter in previous years. I still continue to see this inaccurate matter appearing on my credit statement undermining my credit score. I have disputed this matter XX/XX/2012. I strongly believe the XXXX company is unethical and totally unprofessional. I want consumers to beware of their practices and I want this matter removed from my credit report.
Product: Mortgage

This complaint is about escrow account balances and how unused escrow funds are handled after the principal is paid in full. For my situation, property taxes and insurance are both paid afterXX/XX/XXXX in the year. The loan was paid in full on XX/XX/XXXX, and an accrued escrow balance of over {$2100.00} is due back to me. Within a week, I received a new Escrow Account Disclosure Statement in the mail informing me that no new escrow funds were required. I have yet to receive the escrow funds - my cash - and the company NewRez ( formerly Shellpoint ) keeps telling me they have 30 days to return the funds - " according to their policy '' - no real reason given. The loan has been paid off for three weeks now. 

The policies of Shellpoint/NewRez are absurd when it comes to how they handle escrow funds. When it became clear that the escrow funds they were collecting were never going to be used for their intended purpose ( as the loan would be paid off before either insurance or taxes became due ) I had asked to have the escrow balance applied to the principal and was told that this was not possible. No reason was given other than " it's policy. '' It took several tries on the phone to even get a representative that could understand the issue. I see no reason that the refund from the overpaid escrow could not have been sent along with the letter in the mail containing the Escrow Account Disclosure Statement. 

I am sure that someone for NewRez/Shellpoint will respond to this complaint and say they they are within their rights to hold the overpaid escrow and refund it whenever they get around to it, but I am filing this complaint so that everyone can know what they do. While I am sure that these " policies '' were " disclosed to me '' in the form of some 50 pages of microprinted legalese that few people even have a chance to read or understand before it is too late, there is no excuse for the delay in refunding the overpaid escrow cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Product: Debt collection

I have received a debt collection, that was sent to the wrong address. The letter is dated XX/XX/2023, was sent to south dakota, however, I am a military  member with the XXXX XXXX working in california. I do not have the 30 days to respond, because there response time line is XX/XX/XXXX. 

The account number is XXXX, through wakefield and associates. The disputing party is XXXX XXXX, California. I do not recoginze that name. I do not have proof of the debt, and if its what I assume to be a medical bill collection through XXXX XXXX  XXXX XXXX ; that debt is a workers compensation claim that I have already attempted to settle through my employer, but they fail to send payment. Otherwise, I am not responsible for this debt, and Wakefield and associates needs to cease and decist, contact the appropriate parties for the collection of any medical payments. This is the second time and I am being harrassed for an obligation that I am not responsible for. 

Also, I tried calling wakefield and associates, but the refuse to answer the phone. I have left two messages. I also attempted to communicate via their chatbot, attempted to enter my account number, but the XXXX  digit entry box will not accept XXXX, which is the account number on their notice.
Product: Credit card or prepaid card

This is regarding a Goldman Sacs credit card - An Apple credit card. 
On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX  products ). 

New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ). 
XXXX - what the statement states as the balance for XX/XX/XXXX. 

I have disputed this 4 times, 3 times with a supervisor. 
Each time the rep on the phone agrees the numbers were incorrectly calculated. 
Each time the department that responded to the dispute says the numbers are correct. 

The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken. 

A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom it may concern : I need your professional assistance.

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files.

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old XXXX accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low 500s, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

1

5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

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

Saw new charge in my account from XXXX XXXX reported by Franklin charge {$120.00} that was placed in my report when ask they say it was debt on XX/XX/XXXX the had place as new account openedXX/XX/XXXX I have no knowledge of {$120.00} with debt that was suppose to have been from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, please fix the Experian score, previous, XXXX, currently, indicating the XXXX. Also, please align the Experian, XXXX and XXXX, to indicate the Experian.com score. I.e., XXXX XXXX, XXXX XXXX, the site should indicate the correct score without the point differential on various sites. Also, please ensure the XXXX credit score is accessible to receive loans. In addition, this {$100000.00} student loan was erased for a ( n ) time, I prefer the entire deletion of the student loan data.

Thank You! 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009
Product: Debt collection

My wife and myself received phone calls from a XXXX. The company identified itself as Unifin. They were looking for a XXXX XXXX. I advised them my name was XXXX XXXX and that the person they were looking for does not exist and was a mixed file and identity theft issue that was resolved 8 years ago. 
Further my attorney XXXX XXXX attempted to contact them to inquire on the validity of the debt and they declined and refused to provide a mailing address or verification of the debt. They continue to call and I am filing this complaint along with retaining XXXX XXXX to sue for damages again. 

Ive completely complied with the FCRA and asked for verification, yet the company refuses and continues to harass me.
Product: Checking or savings account

I am writing to dispute an inaccurate report linked with my name, regarding a recently closed account with Bank of America. This account was reportedly closed due to supposed suspicious and fraudulent activity, which I firmly believe is a misunderstanding that needs clarification and resolution. 
The transactions i made ( XX/XX/23 for a total of {$12000.00} ), ( XXXX a total of {$6800.00} ), and ( XX/XX/23 for a total of {$500.00} ) deemed " suspicious '' were individual checks I received from a client tied to my newly established business, registered as an LLC. As the business was in its nascent stages, these checks were deposited into my personal account at Bank of America. The funds from these checks were strictly related to my business operations, a fact that I can validate with the relevant LLC documentation and evidence containing the Consumer ID To my knowledge, these checks were legitimate. Therefore, it was surprising and distressing when my account was abruptly closed without any prior, direct communication or preliminary investigation. I had no cause to suspect any fraudulent activity linked with these transactions. 
My client, XXXX, provided these checks from XXXX XXXX XXXX  as payment for business services rendered. As such, I request that you thoroughly investigate this matter and reconsider the nature of these transactions.And not once did i ever recieve that money or used that money because it was never deposited into my account.
Product: Credit reporting, credit repair services, 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 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  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.