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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
Account Number : XXXX XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit card or prepaid card

XXXX federal bankruptcy XXXX XXXX, thought this was included. Do have hardship on social security and due to my house being arsoned. Repairs are being done but wasn't sure if I had already gotten this taken care of like the others affected as well. 
Address is still XXXX XXXX XXXX XXXX Michigan since XX/XX/XXXX. All prior addresses are null and void. Current phone number is XXXX XXXX XXXX. All other numbers are null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute and Request for Investigation of Inaccurate Collection Account Reporting - Account Number : XXXX To Whom It May Concerns, I am writing to formally dispute and request an investigation into the inaccurate reporting of a collection account from XXXX XXXXXXXX, bearing the account number XXXX. I have observed a significant discrepancy in the reported dates of last activity for this account across the three major credit reporting agencies : XXXX, XXXX, and Equifax. The conflicting dates are as follows : XXXX : Reported last activity date - XXXX XXXX : Reported last activity date - XXXX  Equifax : Reported last activity date - XXXX  These inconsistent dates have raised serious concerns about the accuracy of the information being reported on my credit reports. In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure that the information presented accurately reflects my credit history and financial standing. 

I kindly request a thorough investigation into the collection account associated with the account number XXXX, specifically focusing on the reported dates of last activity. I am eager to understand how such varying dates were obtained and computed. The information reported by the credit bureaus significantly impacts my creditworthiness and overall financial well-being, and it is imperative that it is consistent and reliable. 

Enclosed with this letter, you will find copies of relevant documentation that provide substantial evidence supporting my claim of inaccurate reporting. I believe that a comprehensive examination of these materials will confirm the existence of discrepancies that require immediate resolution. 

I respectfully request that you conduct the investigation within the mandated 30-day period as stipulated by the FCRA. Furthermore, I kindly ask that you communicate the results of the investigation to me in writing. Should the investigation affirm the presence of inaccurate reporting, I expect the erroneous information to be promptly rectified or expunged from my credit reports, as per the provisions of the law. 

I am deeply committed to maintaining precise credit information and appreciate your assistance in upholding the integrity of my credit reports. Please do not hesitate to reach out to me via email or phone if you require any additional information or clarification regarding this dispute. 

Thank you for your prompt attention to this matter. 

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

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00}
Product: Debt collection

Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports. 

Thanks, XXXX XXXX
Product: Debt collection

I thought paid all my electricity bill with XXXX XXXX after I sold my first home. XXXX XXXX also provide service to my new address. i am paying the bill on time on my current address. Then I received a collection letter from XXXX XXXX XXXX XXXX telephone Number : XXXX. I made the full payment in the amount of {$120.00}. I have the proof of receipt. They also charged me few dollars more for making the payment over the phone. 

Almost after a year later i received another statement from Bull City Financial solutions , INC. telephone XXXX regarding the XXXX XXXX bill for the same amount {$120.00}. i explained to them i already paid, emailed them receipt but They were asking us to pay again. 

I reached to XXXX XXXX and explained my current situation. I was able to make the payment with XXXX XXXX because they said they haven't receive the payment from XXXXXXXX XXXX XXXXXXXX XXXX. I reach out to XXXX XXXX XXXX they are telling me to contact XXXX. Bull City financial asking me to pay them. 

I paid Twice 1st time with XXXXXXXX XXXX XXXX and 2nd time with XXXX energy directly. 
My Credit Score is going down I am unable to get good rate be because of my Credit Score. 
It is fraud, I should not pay more than one time. 
Please help me to resolve this issue.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Sterling National Bank located on XXXX XXXX XXXX NY, advising me that they closed my account on XX/XX/XXXX ( same day as the call ) they stated that they mailed me a check. What made matters difficult for me was that my monthly Social Security direct deposit is sent to that account every XXXX Wed in the month. Sterling closed my account without notification of any type, no warning -- no phone call, nor a letter sent. They closed my account because I made more than 6 transactions on a savings account in a month -- if that is a rule which I was unaware of. I think a certified letter or a call should be made in advance so I have time to remove my money and change my Direct Deposit and make no payments from that account. I immediately called Social Security XX/XX/XXXX to tell them where to send my direct deposit that was due to come on XX/XX/XXXX. Soc. Security said it would take time to arrive at the new account because it will go to the closed account first and then return back to them and then to the new account As of today XX/XX/XXXX I still have not received my Social Security check, so I called social security again, they claim it should come this week to the new account After a trip to Sterling XX/XX/XXXX and 2 calls later I finally received a check from Sterling for the closed account, the check for the closed account arrived on Monday XX/XX/XXXX ( they closed the acct XX/XX/XXXX ) check took 12 days. I had no money as it was tied up in that check that took 12 days to get to me Also 2 payments -- 1 for XXXX XXXX and 1 from XXXX were set up to come out of my Savings account on XX/XX/XXXX. Both payments were returned when they saw the account was closed. XXXX XXXX hit me with a return fee, I called them XX/XX/XXXX and they did waive the return fee XXXX credit card sent me a letter XX/XX/XXXX stating that my account was closed and the payment returned, that account is not valid and they may impose a return fee. I have to resolve this issue also The closing of my Savings Account has caused me much distress, and mental stress -- - many phone calls and a trip to the bank, it left me without money and unable to pay bills that are coming due, and time from work making phone calls. 
I feel they need to be reported for unfair practice of closing accounts without proper notification, warning and notices. Nobody should have to deal with this and be treated like this. It took 12 days to get my money by their check ( XXXX ) I hope my Social Security deposits arrives soon too and its not lost in limbo Suppose I was on vacation and needed to withdraw money, I would be stranded Rules are rules and if I broke the rules then it should be explained and I should be alerted to the consequences such as closing of the account -- but without warning-to me this is unforgiveable. I will not deal with this bank ever again and my mother is also closing her accounts with this Bank-Sterling National
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CCM Finance LLC XX/XX/XXXX # CS**** Balanced Owed {$0.00} XXXX XXXX XXXX XX/XX/XXXX # XXXX Balanced Owed XXXX CCM FINANCE LLC XX/XX/XXXX # NW**** Balanced owed XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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  The aforementioned accounts , collections , and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX XXXX  pnc bank was not able to connect with my XXXX  account, preventing transfer of funds to my bank 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with portfolio recovery. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company XXXX XXXX with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. {$8000.00} was XXXX XX/XX/XXXX. Catching us up. 3 more payments were issued to XXXX  in XXXX. See attached letter. XXXX XXXX has consistently reported inaccurately if at all the last 4 years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, XXXX  where the health care and heat ( weather ) better fit my health demands. We found a lender willing to work with us and we got almost to closing and XXXX XXXX  had not been reporting correctly and now reporting something different again. XXXX from XXXX  said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in XXXX  since you can't change jobs before buying. He will still there until we can buy, away from our family with XXXX children and me with XXXX. I am the sole caretaker and I need my XXXX XXXX. If XXXX  XXXX were reporting correctly our lender and us would have known before trying to obtain a loan. The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny help. XXXX XXXX is paid in full and our family is separated and states away from each other. At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.
Product: Credit reporting or other personal consumer reports

CREDITOR CREDIT COLLECTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : added a derogatory Mark on my credit, and needs to be removed. Ive had XXXX XXXX XXXX. Since XXXX and have all my medical bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections, hard inquiries, and personal information. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that does not belong to me. It belongs to someone else
Product: Credit card or prepaid card

On or around XX/XX/2023, I was contacted by a representative from Chase Bank, XXXX. to discuss balances on my existing revolving credit accounts. Despite the fact that I have never missed a payment, I was advised that my credit limit on each card was being reduced. I do not take issue with that decision, as it is squarely within the prerogative of the card issuer. However, Chase made the inexplicable decision to report each limit decrease one-by-one -- instead of at one time, or near the time the decision was made -- resulting in a new diminution of my credit score with each such report. On information and belief, the bank will continue to report these new limits on various one-off bases, which will further lower my credit score, despite that I have engaged in no action that should result in any further diminution.
Product: Debt collection

I have contacting many different times to XXXX  for them to send me a box to return the modem. I contact them on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2022 XXXX XXXX and XXXX XXXX XXXXThe representative from XXXX  kept letting me know they are sorry for me not receiving the return box from them, to wait from 7 to 10 days. I received a collection notification from them on Friday XXXX XXXX for the amount of {$220.00}. Contacted Eastern Account System of Connecticut phone # XXXX and they advise me to contact XXXX. 
I contacted XXXX  again today XXXX XXXX and XXXX advise me to wait 7 to 10 days for the return box to arrive. I want to complaint about this. They are not sending the return box for me able to send the equipment back to them. They provide the XXXX  location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I went to dropped it on XX/XX/2022 and they have a box with different equipment 's on the floor but there was nobody on the site collecting them. It was raining and I contacted XXXX  to let them know I was not able to see anybody to return the box but just a box outside getting wet. They advise me to drop it there and wait up to 10 days. I asked them for the box and until now XXXX XXXX not receiving any box. What can I do?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and the unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent 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 immediate appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Product: Checking or savings account

I received a debit card in the mail on XX/XX/XXXX. for an account I did not open. I called customer service and asked that the account and debit card be closed. They then closed the debit. I would like confirmation that the card and the checking account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc court system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>2025 To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number DearXX/XX/XXXX I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX