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

Bank of America closed my credit card account and is reporting a charge-off balance of {$21000.00} on my credit report. However, there are several issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$21000.00}.

They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations .

I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information.

2. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported.

3. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.
Product: Credit card or prepaid card

I recently checked my credit report and noticed that there is an alleged XXXX day late payment being reported in XX/XX/2021. I couldn't believe it when i saw it. I have no idea how this could have happened. I always pay my account on time or early. I did not receive a statement like i normally do letting me know to make my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX XXXX XXXX : {$0.00} XXXX is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.
Product: Money transfer, virtual currency, or money service

I sent complain letter to Coinbase as I got fraud issue in the process to send USD to Coinbase account, manipulated the address of Coinbase Wallet by the scammers. 

I sent the letter 3 weeks ago, but Coinbase has not responded nor no reactions. 
Please see the details in the letter I attached below.
Product: Debt collection

Portfolio Recovery has been reporting for years that i owe a debt. ive never signed a contract with them stating i obtained this debt. they also never provided an itemized bill stating how i obtained the debt from them directly. the balance is being reported as a negative payment history which is also reflecting on my report negatively.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 168152 Inaccurate Credit Reporting Must Be Immediately Removed 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors can not communicate with consumers without consumer consent.

Credit Reporting Act 611 ( a ) [ 15 USC 1681 ( a ) Which requires, during the investigation period, disputed information must be removed from credit report. The mere reporting of items constitutes collection activity.

Account activity dates are incorrect.

Account Is Reported Closed, XXXX. Balance reported is incorrect. 

Account was charged off & closed in XXXX. 

Account Secured debt was liquidated via investment holding holding & any other balance was charged off via tax credit in XXXX for tax year ending in XXXX. 

Everyday that this account remains, it is a violation, pursuant to FCRA non compliance and/or incorrect reporting of a fraudulent attempt to collect a debt for which has been paid via secured investment account liquidation & charge off as reported to the IRS. 
The liability for willful noncompliance include : * Actual damages sustained by the consumer * Punitive damages as the court may allow * Costs of the action, including reasonable attorney 's fees * Statutory damages of {$100.00} {$1000.00} per violation. 

The FCRA provides a private right of action against users of consumer reports, including potential employers. 

The law states that anyone who intentionally fails to comply with a requirement under the subchapter in relation to a consumer is liable to that consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, XXXX XXXX XXXX XXXX XXXX XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Checking or savings account

Dear PayPal Support, I am writing to seek your urgent assistance regarding a matter that has caused significant distress and inconvenience for me.

I swear I am a poor person and I am facing financial issues. I beg to you its a request please lift limitations or release my funds. I have no words how to explain my condition. Its my request please help me, I am in very bad condition. You have your own family so please help me in this situation and release my funds or lift all limitations. 
I trust you will help me On XX/XX/, I engaged with a PayPal support representative via chat, and following our interaction, I was informed that by submitting my photo ID and bank statement, any limitations on my account would be promptly lifted. However, to my dismay, within five minutes of this resolution, my account was inexplicably restricted permanently. 

I want to emphasize that I swear I have not engaged in any activities that would warrant such severe measures. In my earnest effort to resolve this matter, I am attaching my bank statement and photo ID for your thorough review. I understand the importance of adhering to PayPal 's policies and assure you that I have always maintained the utmost compliance.

I find myself in a challenging financial situation, and the limitations on my account have only added to my difficulties. I humbly request your kind intervention to reconsider the imposed restrictions and facilitate the release of my funds. I am a humble individual facing financial hardships, and this situation has left me in a state of distress. 

I sincerely appeal to your compassion and understanding, as I trust in PayPal 's commitment to fairness and customer support. I implore you to consider the impact this has on my life and the lives of those who depend on me. Your assistance in this matter would be profoundly appreciated, and I am confident that, with your help, a resolution can be reached promptly.

Thank you for taking the time to review my case. I am hopeful that you will extend your support in lifting the limitations on my account and releasing my funds. 

Kind regards,
Product: Debt collection

Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for XXXX and Experian but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for XXXX, and late XX/XX/year> on XXXX but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against XXXX XXXX and Experian unless these accounts are made right to show paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to investigate a few inaccurate accounts on my credit profile. I have also sent a Method of Verification ( see attachment ). It has now been 60+ days since I sent my disputes, but I have yet to receive a response. Nor have they adhered to my request by verifying and validating the information as accurate. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.
Product: Checking or savings account

Several months ago, ( I do not have the exact date ), I tried to close my Wells Fargo Checking and Savings Accounts. I was told that they would be closed. This was a telephone call. They would not send me my money and they would not allow me to do a bank transfer so I took as much money as I could with my debit card from an ATM Machine. I was told to shred my debit card and I did that months ago. 

Recently, two people by mistake made two separate deposits into my supposed closed Wells Fargo accounts. The amounts are {$600.00} and {$150.00}. Wells Fargo will not give them their money back and they will not give the money to me. I have spent hours on the phone to no avail, I can not close the accounts and I can not get my money out of it either and neither can the people who deposited the funds. I was on the phone today for several hours and the same situation prevails, I can not close the account and I can not get the funds out. 

I live in XXXX XXXX XXXX XXXX and can not go to a teller at a Wells Fargo bank to do any sort of transaction. For me to fly from here to XXXX would cost me over a {$1000.00}. All I want to do is close that account and get my money out of that bank. 
Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because EQUIFAX, XXXX, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told on the phone from Chase by XXXX on XX/XX/XXXX XXXX that transferring my credit line from one card to another world NOT pull my credit or go on my credit report. I am now seeing that on my credit report and I think it should be removed. I received false information
Product: Mortgage

On XX/XX/year>, I requested a special letter from Freedom Mortgage in order to try drawing money from my retirement plan. Im trying every option to pay the balance on my account to protect my credit and resolve an overdue balance. I was told the letter requested would definitely be ready on XX/XX/XXXX. When I called, the last employee said that she didnt even see a letter being processed even though I was told it was being processed over and over. When I asked for the manager, the manager XXXX became upset and told me I didnt need the letter and I wasnt gon na be eligible for my retirement plan anyway because I wasnt in foreclosure. Thats not for her to decide my eligibility regarding access to my retirement plan. Thats none of her concern. I asked her when I was gon na get the letter after being told I would definitely get it on the XXXX, she could not give me an answer. I asked what would happen if I didnt ever get the letter or I didnt get it by the end of the week. She said if I was her customer, she would simply tell me to pay my mortgage. Im not sure what any of this had to do with the letter? This went from me being told a letter is being processed to Im not eligible for my retirement plan. They dont have the right to determine my eligibility for my own retirement plan. I want to know what kind of game is being played here and why Freedom Mortgage is refusing me the letter when Im XXXX  days behind on my mortgage. Its just a simple letter. This seems very fishy to me and they are clearly hiding information in the background. I want to know why they are not sending the letter as I understand based on the managers own words, its a very popular and common letter. So, why cant they give it to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an online survey for XXXX XXXX to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.
Product: Credit reporting, credit repair services, 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00}
Product: Debt collection

On XXXX XXXX, 2014, a debt collector threatened to take my home if I did n't pay them the XXXX they claimed I owed them. I did not owe that money asked for a breakdown of fees they refused to give me the explanation of their fees. They thought I was behind on my Home owners association fees but I paid them they refused my checks and returned them. This attorney firm located in XXXX XXXX was determined to auction my home I paid XXXX for in XX/XX/XXXX. On XX/XX/XXXX without warning to me or the mortgage lender, they auctioned off my home for XXXX when it is worth XXXX in current market. They left me with a XXXX mortgage that I am still responsible for. My lender is still paying the taxes and Insurance and charges all this to me every month.This firm is corrupt and has racketeering charges and convictions. They bribe as many people as they can and have taken over XXXX properties. We do not have XXXX for attorney fees to fight these cases. They take these homes and milk them for rents until the bank forecloses on me. They have taken the title out of my name and threatened to call the police if I step XXXX foot in my home. 
I need help getting this property returned to me I do not have attorney money, I want your organization to look into this Alessi & Koenig and find out why all these courts are allowing this ...
Product: Debt collection

I was seen at XXXX XXXX Hospital for XXXX ( mind you I had been released from XXXX XXXX hospital from an XXXX ) and released that same day. I did not have my medical card with me at the time of service. I had emergency medical which cover all my emergency visits. I did submit my medial card to the billing department about 3 days later. I was told by someone at the billing department they have received it. 4 years later I check my credit report and turns out I owe a balance of XXXX. I had just became a resident of the U.S and received my social security card and like everyone I wanted to start building my credit. Unfortunately, I could n't because of this issue in my credit report. This has been done fraudulent because I did have insurance at the time of service and I did submit proof of medical in a timely manner. I need this to be investigated and removed from my account. Also, Grant and Weber ( collection agency ) have added my wife XXXX XXXX onto this account. My wife is not liable nor responsible for this debt, she needs to be removed. They have requested a fraudulent inquiry on her credit report.
Product: Debt collection

I was contacted on XXXX XXXX about a debt that i owed. I had spoke to a man he was very rude and kept talking over me. I asked repeatedly for a letter to be sent to me and i would pay the debt. He stated he would send a letter but they can still proceed with garnishing my wages without me getting the letter. As of today, XXXX XXXX, I still have not gotten a letter. I received a call again today, from a different number, and a voicemail stating they were going to move forward with a hearing with or without hearing from. I call and again ask for a letter so i can take care of the debt and he states " a letter was sent but he has not idea why i havent received it ''. we verify my address and he says my only option now to recived the letters is through email. But regardless they are going to continue with a hearing and may request my presence and i SHOULD get a letter. All i want is a letter verifying this is a legitimate company requesting this. Some of his information was wrong and he says he is SURE i have received other letters trying to settle this. Which is false in the last years i have not received any letters.
Product: Mortgage

I made an offer on a property and the offer was accepted. The lending officer advised that I would need to pay for the appraisal. I was quoted an appraisal price of {$500.00} which was debited from my bank account on XX/XX/2022. The deal fell through and I have found funding with another mortgage company. My new mortgage company asked for the appraisal receipt from the old mortgage company. I reached out to them today for the receipt and was told I owed them an additional {$210.00} before they will release my receipt. This is the first time I have heard this. I asked them if I owed this why haven't they sent me a bill? I mentioned that I paid the requested amount and the inspection took place on XX/XX/2022. If I had not asked for the receipt of the appraisal would they have even mentioned this additional {$210.00}? I believe they used my {$500.00} towards other administrative costs which caused my appraisal fee to become short. At the time, none of this was made clear to me. I believe they are acting in bad faith and have misrepresented the entire situation. I asked RocketMortgage if they could provide proof that I was made aware of this. They sent a Deposit Statement ( which I have attached ) which I thought was another document in the process of buying the house. I did not equate this to the appraisal fee since this was the only fee discussed with me at this time.
Product: Credit reporting or other personal consumer reports

After examining the report, I noticed certain information in my personal profile, specifically negative accounts on my credit report, which can not be verified. This is concerning since I've been a subscriber to XXXX for monthly reports and have consistently contested fraudulent accounts. However, today, I came across a negative entry I haven't encountered before, along with other inaccuracies in my personal profile, and it appears no action has been taken. I have no connection to the accounts mentioned below, and therefore, I request your assistance in removing these negative entries and inaccuracies from my profile. I have enclosed copies of my Utility Bill statement, driver 's license, and Social Security Number for verification purposes with this written request. Please prioritize the resolution of this issueXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Continental Credit Control for a debt verification and never received it and they reported to my credit.
Product: Credit card or prepaid card

Chase/ JP Morgan has extended {$12000.00} credit Chase Sapphire Preferred on XX/XX/2020, They had also refused my extension of credit/closed my account & violated a consumer law XXXX Rules concerning extensions of credit.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 I can't access to my Equifax portal, I been paying for months and nobody seems to know what's going on. I need this to be resolved ASAP.