23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account
Product: Credit reporting or other personal consumer reports

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and XXXX ; XXXX and XXXXreported to Experian, XXXX, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid best buy early got charged for missing payment XXXX XXXX pay on XXXX payment due XXXX charged as a missing payment
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to XXXX XXXX XXXX XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : Late Closed XXXX XXXX XXXX XXXX {$0.00} Date Open XXXX XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Charge Off XXXX XXXX XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1800.00} Date Open : XX/XX/XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$1400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1100.00} Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under XXXX XXXX XXXX  XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute an inaccurate address and misspelling of my name listed in your records related to my account with Experian, XXXX, and XXXX, According to the information provided, there is an incorrect address associated with my name, and I believe this is an error that requires immediate correction. 

The inaccurate address in question is : Incorrect Address : [ XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] However, my correct and accurate address is : Correct Address : [ XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX ] Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am entitled to request that all inaccurate information be corrected. Please investigate this matter and update your records to reflect the correct address as provided above. 

I would appreciate it if you could provide written confirmation once the necessary corrections have been made. If additional documentation or information is required, please let me know promptly so that I can assist you in resolving this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Jefferson Capital has illegally reported XXXX  collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute. 
I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.
Product: Credit card

I am filling a complaint against Apple due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act and the Truth in Lending Act. The CFPB found that Apple failed to send tens of thousands of consumer disputes of Apple Card transactions to Goldman Sachs, and when Apple did send disputes to Goldman Sachs, the bank did not follow numerous federal requirements for investigating the disputes. Apple and Goldman launched Apple Card despite third-party warnings to Goldman that the Apple Card disputes system was not ready due to technological issues. These failures meant that consumers faced long waits to get money back for disputed charges, and some had incorrect negative information added to their credit reports. Apple Card users were directed to dispute transactions through a " Report an Issue '' feature in the XXXX app. I was told that since my phone location was in my possession, then the dispute would not be disputed. They failed to investigate legally. For some disputes, Apple sent consumers a separate link in the Messages app asking for more information. Apple failed to send these disputes to Goldman Sachs if the second form was incomplete. Even after Goldman Sachs alerted Apple to this issue, the problem persisted. As a result, neither Apple nor Goldman Sachs investigated tens of thousands of such disputes and cardholders were unfairly held responsible for disputed transactions. Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions that violate federal consumer financial laws, including by engaging in unfair, deceptive, or abusive acts and practices. The CFPB also has the authority to enforce the Truth in Lending Act and Regulation Z.
Product: Credit reporting or other personal consumer reports

I am writing pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, to formally dispute information listed on my credit report. The account in question is as follows : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX This account is listed as [ specific negative status, e.g., " delinquent, '' " in collections, '' etc. ] on my credit report. However, I have reason to believe that the reporting of this account violates the FCRA due to the following : 1. Unverifiable Information : I received a letter from XXXX, a third-party data furnisher often relied upon by credit bureaus, confirming that this account is unverifiable. Under Section 609 of the FCRA, credit reporting agencies are required to ensure that all information reported is both accurate and verifiable. The lack of verification from XXXX demonstrates a failure to meet this standard. 

2. Bankruptcy Court Confirmation : I have obtained a letter from the XXXX XXXX XXXX  confirming that they do not provide credit bureaus with case information. This directly contradicts claims by Equifax credit bureau or data furnishers that the information was obtained from the court. Reporting unverifiable or inaccurate bankruptcy information is a violation of Section 611 of the FCRA, which mandates that any disputed information be promptly verified or removed. 

Legal Violations The continued reporting of this inaccurate information violates my rights under the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. The presence of unverifiable information on my report indicates a breach of this requirement.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted or corrected.

15 U.S.C. 1681g ( a ) ( 2 ) : I have the right to request all information related to the source and verification of this account, which includes details about how this information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im so sick and tired of EXPERIAN reporting false accounts that have not been validated by myself who the original creditor. They have reported these accounts and hurt my ability to obtain credit and I am sick and tired of this mess! It will stop now and right now today! 
Experian is I. Violation 15 USC 1592g, they were to notify this in writ g XXXX days before and I was not! I am the original creditor and only I can validate these accounts! I do not validate these accounts. Therefore, the following accounts must be deleted. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Department of XXXX XXXX Failure to respond satisfactory with the deletions of the above account will result in action being taken and a {$1000.00} fine per violation. 

XXXX ) Defamation XXXX ) negligence enablement of identity fraud XXXX ) Violations of 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2021, I was notified that a hard inquiry was done by Capital One. I have not applied for a new credit card with Capital One. I contacted them and notified them and they denied application since it was still pending ; however, the hard inquiry is still in my report. I need removed since it was not me applying for new credit card. Also, XXXX XXXX ran a hard inquiry again after this same incident occurred in XX/XX/ 2021. I requested back in XXXX that my credit report be flagged and notify me of any new inquiries but they failed to contact me. I have therefore frozen my account with experian and see if this works from having hard inquiries conducted on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit card opened XX/XX/XXXX, closed XX/XX/XXXX Amount : {$280.00} I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX The credit card opened in XX/XX/XXXX, Closed in XX/XX/XXXX, XXXX late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX  The credit card was opened in XX/XX/XXXX and is still open Two late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX, Loan closed in XX/XX/XXXX XXXX late payments were reported on XX/XX/XXXX, and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX and closed in XX/XX/XXXX XXXX late payments were reported for XXXX, XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the bank to try to resolve the matter but was told nothing could be done.
Product: Credit card or prepaid card

This card was a replacement card for a compromised card ( clearly had tampered with, damaged magnetic stripe, a thick glue covering numbers on front etc ). I received a replacement card but I was told it would not be activated until I sent a submission via fax proving my identity and possession of replacement card, which I did on XX/XX/XXXX. The card was supposed to be activated within 2-3 business days, but it STILL has not been activated. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. 

This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. 
Thank you so much for your consideration to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

Between XX/XX/XXXX and about XX/XX/XXXX I worked for a company that offered a XXXX plan to which I contributed the minimum necessary to get the employer match. The XXXX plan is administered by Wells Fargo. Since I 've left the company, my " date of termination '' has not been reflected in Wells Fargo 's system which prevents the withdrawal of the balance ( I have a rollover IRA account setup to receive it ). The date should be some time almost 2 years ago and no one seems to be able to resolve it. I 've contacted the company, XXXX and Wells Fargo multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Product: Credit reporting or other personal consumer reports

There are things on my credit report I do not recognize and I would like them removed immediately Please remove hard inquiries from my report This is the second complaint Ive sent you guys and nothing has been done yet
Product: Debt collection

Received numerous phone calls from telephone number : XXXX XXXX XXXX to my Father 's personal and private cell phone number which is XXXX from a person named " XXXX '' who would not disclose the company he was representing, I later found out he was a third party delivery person working with a Debt Collection Agency but he failed to explain to my father and to myself the nature of his call. he would aggressively argue with me that he WORKED FOR HIMSELF, he called me slow on multiple occasions, threatened me, and made me feel unsafe.The only bit of information I was able to obtain from him was the phone number of the debt collection agency which is XXXX The man named XXXX at the Agency was Kind, Helpful, Emphatic and Understanding and quickly resolved this matter with me in a way that made me feel safe and understood.
Product: Checking or savings account

There has been a large amount of money and transactions that were let loose from a bank I was with for many years, yet they have started to mistreat me, take advantage, and not uphold due diligence unless it was making Chase Bank money, as I have had my credit card, debit card, and neglection to help nor solve my issue, besides making it worse and not fulfilling what I was told that they were going to do. It was starting when a number of miscellaneous transactions of all types were being done, including my card being used and car rental agreements with XXXX, where a solar company was using my account and I was being billed for it when it wasn't my business or employment. I asked to close down my account to prevent any further actions a few years ago, and it started to happen again because they never closed the account and just got me a new card. My identification, social security number, and other papers disappear from my home or the mail office along with a handwritten note that contains my personal data. The reason I take blame and speaking up about this is because I am suffering and have been getting kicked when I am already down, when I even still try to do what is right and when I am trying to pay my rent with a cashiers. I get the most disrespect from race and neglect to help in any way, making the banking experience more horrific and causing me to be late on rent and dealing with the consequences. Yes, I am guilty for using the account under the false impression that it was secured and fixed, but in any case, this is my complaint, and I want my life back, my credit restored, and this negative bank record removed from my record while I am already struggling to make ends meet. I have been harassed and I still receive letters from the bank informing me of the amount I owe for transactions that I did not make.
Product: Debt collection

Second notification from Transworld systems inc Collection agency XXXX XXXX XXXX XXXX XXXX For XX/XX/XXXX, pa XXXX To collect a debt that was never owed nor a debt in the amount of {$110.00}. Please have this company stop harassing me with these letters. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a XXXX. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Debt collection

Contacted multiple times in the morning and late in the evenings due to the alleged debt. Also, have received multiple text message pertaining to the same issue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due too inadequate customer service and unfair practices within the app, which violates the customer Financial Protection Act. Specifically Cash App failed to take effective measures to prevent and address fraud to my account and fraud on their app/platform leaving my account unprotected from fraud. Their dispute resolution to what happened was not right and deceptive in a lot of ways because they did not at all comply with the error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions by Cash app have resulted in major financial loss and major inconvenience to me, And Im kindly requesting appropriate redress for these violations.