23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by Equifax for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
Account Details ( Equifax ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : -- Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Loan Two-Year Payment History : XX/XX/year> : 30-day late payment ( erroneous ). 
Requested Resolution : I request that Equifax investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX has charged my Navy Federal Credit Union XXXX XXXX credit card account for a monthly XXXX XXXX membership in the amount of {$11.00} in which I didn't subscribe to or have ever used. I have disputed the charges with Navy Federal Credit Union XXXX XXXX since XX/XX/2021 and they have failed to assist. The transaction dates are XX/XX/2021, XX/XX/2021 and XX/XX/2021. I initially thought that it was a charge attached to my sons email address or cell phone number. However, it was not the case. On XX/XX/2021, a friend of mine assisted me in locating a way to find and cancel such membership online at XXXX  and we were successful. Apparently, NFCU failed to at least notify XXXX or XXXX that I was disputing the charges because I kept being charged {$11.00}. I honestly believe that is a very unethical business practice to fail to notify a merchant that a consumer is disputing a charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax and XXXX XXXX because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with XXXX and Equifax a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but Equifax remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains Equifax and XXXX XXXX  for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.
Product: Debt collection

I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. 

I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXX XXXX dollars were taken out of my savings account with Bank of America and it was an unauthorized transaction. The next day, XX/XX/2022, I decided to check my balance to see if I could buy myself food and see how much money I would lose from doing that and I see that under my checking account amount my savings account said XXXX XXXX dollars. I clicked the number and found that the rest of my savings has been taken from me without my knowledge of how it happened because that was not an authorized transaction. I decided to call Bank of America after I realized to get told by 2 different employees that they could not do anything because the transaction was still processing and that once it is processed then they can help me dispute the transaction. The 2 employees also informed me that the transaction was done through a XXXX account and that I have to get in contact with XXXX because XXXX is who can get me my money back, not Bank of America. I then decided to call XXXX, and I was then told that because the money is processing and Bank of America is allowed to freeze my account so the money does not leave and then I can get my money back. So, I called Bank of America again where I was told the same thing as the first two employees informed me to do. After that, I decided on Monday, XX/XX/2022, I would go to the closest Bank of America ( location XXXX XXXX XXXX XXXX, XXXX SC ) which I arrived around XXXX XXXX  and, when I talked to somebody I was told that the money has been processed and that the only thing I can do is call their customer service number and claim fraud because that is not their job at that branch. After that I went to a different one the next day, Tuesday, XX/XX/2022, around XXXX XXXX  ( location XXXX XXXX XXXX XXXX XXXX SC XXXX. There I told them what happened to my account and the two women asked me " did you give somebody your phone because, it was a transaction sent off your phone, '' and " did you call the number that the money was sent to? '' One of the women ( whose name is XXXX XXXX ) then proceeded to write down the person who did this to me number as well as my XXXX name and told me " to call the number and get my money back. '' After I was told that I went to my car where I eventually found out about this company and is now making a claim about it.
Product: Bank account or service

I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained ina consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. XXXX XXXX And XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Attached is the cease and desist letters for both companies!
Product: Credit reporting or other personal consumer reports

Creditor report wrong balance to collection agency, which is reporting to the bureaus. 
Creditor is refusing to send the agency the correct amount. I have emails and a receipt that confirm a payment was made and what the remaining balance is.
Product: Debt collection

Ive never received the certified mail with returned receipt, and if you believe that, I did, please provide the receipt with my wet signature, and the tracking number, which I was given option to dispute this alleged debt
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for its repeated violations of the Fair Credit Reporting Act ( FCRA ) concerning my XXXX XXXX Account ( XXXX ). Despite multiple attempts to address and rectify reporting errors, Transunion has consistently failed to adhere to the FCRA, thereby compromising my rights as a consumer. 

On numerous occasions, I have contacted Transunion to dispute discrepancies in my credit report and to exercise my rights under the FCRA. Specifically, I have submitted a method of verification letter via certified mail, as prescribed by the FCRA. Regrettably, Transunion has failed to respond adequately, neglecting its obligation to provide a thorough method of verification. 

Attached herewith is my credit report, which clearly illustrates multiple errors associated with my XXXX XXXX Account. These errors have been brought to Transunion 's attention through a certified request for investigation. However, instead of conducting a diligent examination, Transunion has responded with a generic " verified as accurate '' letter, overlooking the specific discrepancies reported and violating my right to a fair and accurate credit report. 

I would like to commend XXXX and XXXX for their responsible handling of similar disputes, resulting in the removal of the disputed account, as evidenced by the attached documentation. Unfortunately, Transunion has not exhibited the same commitment to conducting a comprehensive investigation, perpetuating a persistent error in my credit report. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure Transunion 's compliance with the FCRA. Your intervention is crucial in rectifying these violations and safeguarding the rights of consumers. 

Thank you for your attention to this matter. I am confident that your involvement will lead to a fair resolution
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Product: Mortgage

In  XXXX     2016, we were having trouble making payments on our loan from Specialized Loan Servicing as  the payment went up by a {$1000.00}. Our monthly payment went up from  XXXX  to  XXXX . We requested a loan modification and were finally approved in  XXXX     2016  after months of being given the runaround. Once we were approved for a loan modification we did 3 months of trial payments for about  XXXX . Once we got the official agreement, the payment went to {$2700.00}. Basically, we are back at where we started and ca n't afford that payment. Their customer service tends to be rude.  XXXX   XXXX  sold our loan to SLS and ever since then we have had a lot of problems. I feel like they tricked us and gave us temporary relief with the trial payments we could afford and then when it was time to make if official the payment went way up again. How does this even make sense. We are very frustrated with the process and not sure what approach to take next.
Product: Checking or savings account

My paypal account was linked with my business banking account and a personal account. I was woken up in the middle of the night from a slew of fraudulent transactions. My password and account information was changed,. I was still ale to log in on my app. I noticed a large amount drawn out of my linked account and deposited into paypal and also transactions to purchase Crypto. I did not authorize any of these charges while my account was hacked. I was able to lock it down but not entirely. I was not able to contact customer support because it was in the middle of the night. I was unable to fully secure my account until business hours opened. I put a dispute in for all the charges. Some crypto was sent out. Before any of this happened my account balance was on the positive side. My dispute was put in. Slowly the funds were reversing. I had a positive balance on the account. I also put a dispute in with the other linked accounts for fraudulent activity. This was with XXXX and XXXX. I am still waiting for these disputes to finish. I have been locked out of my paypal account countless times since this happened. I was just contacted about a debt owed on my account with a negative balance. I do not owe any balance and Paypal is not trying to extort m ore funds from me without completing a proper investigation or accounting. I have demanded the W9 and also a full accounting on the account. I also requested a cease and desist on all phone call collection activity until a full accounting has been conducted. I was informed this must be done in writing through the account which I am locked out of.
Product: Credit reporting or other personal consumer reports

The XXXX entry currently displayed on my credit report is inaccurately depicted. The case labeled as valid and precise is, in reality, incorrect. No trial or judgment has been associated with this case. Without a proper judgment, there can not exist a valid case. 

It is imperative that you promptly eliminate this account from my credit file. The XXXX XXXX XXXX case with the number XXXX must be expunged immediately as it is fraudulent. Failure to address this issue and persist in reporting inaccurate information will compel me to pursue legal recourse. I have sought advice from my legal counsel, and if this matter remains unresolved within XXXX days of this correspondence, legal proceedings will be initiated.
Product: Credit card

There were 4 unauthorized charges made earlier morning XX/XX/XXXX. The amount of the 4 unauthorized transactions are {$100.00} made a XXXX, than {$60.00} at XXXX, next {$90.00} and last {$62.00} at different XXXX gas stations. The transactions occurred in that order. I received notification of the first transaction at XXXX XXXX XXXX XXXX XXXXXXXX. All transactions were made within a hour. I received instant notification via text of the transactions and called the same night to report fraudulent activity. The Capital One applied credit to my card on XX/XX/XXXX. On XX/XX/XXXX and XXXX the company reapplied the fraudulent charges and is expecting repayment. Per company policy, there is {$0.00} liability for unauthorized charges.
Product: Debt collection

Emailed a dispute see below. 

Dear SPS, It was brought to my attention by your Customer Service rep that you have another account under my name. After further investigation your Customer Service rep advised me to submit a Dispute letter. It appears that either a mistake by your company or fraud, identity theft, into your system has occurred. 

I was told that account # XXXX property location is in Florida. I have never live or owned anything in the state of Florida. 

Account # XXXX is not my account and I'am requesting removal of said account immediately. I will also be submitting a complaint to theConsumer Financial Protection Bureau. Please notify me once the action has been completed. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

I was contacted by XXXX XXXX at CBE Group. He would not identify why he was calling, or who he was, until after I confirmed my address. 

I have a bill that is in dispute with XXXX XXXX XXXX XXXX. I believe I am being wrongfully charged for an uneccessay procedure. I have contested this bill in writing and have requested more information about why I am being charged. XXXX XXXX has not yet responded to my letter. 

In my letter, I state that this bill is in dispute and I am not to be contacted by creditors. Moreover, I state that if they report this on my credit, it is to be listed as " disputed. '' This is obviously being ignored, as creditors are calling me repeatedly and have even attempted to contact my father at on old number of mine.