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

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XX/XX/XXXXXXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. Specifically, the date of charge-off for this account is reported differently : Experian reports the charge-off date as XX/XX/year> XXXX reports the charge-off date as XX/XX/year> Since this information is being provided by the same data furnisher, it should be consistent across all bureaus. The discrepancies in these dates are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that all information on a consumer 's credit report is accurate and consistent. 

I have documented and saved all my reports, as well as your previous failures to correct and delete the inaccurate information despite multiple attempts. This letter serves as an escalation of my previous attempts to have these errors corrected. 

Given the inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. Enclosed with this letter are copies of my credit reports from Experian and XXXX highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please confirm in writing that this account has been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit reporting agency did not follow the guidelines set forth by the FCRA and did not validate thoroughly. Other Agencies have already deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER 13 DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
Product: Vehicle loan or lease

I have had multiple car loans/Leases with American Honda Finance. I now have have 3 unpaid charge offs on my credit report from 3 different cars purchased new from XXXX XXXX in XXXX Rhode Island. The unpaid charge-offs are for {$850.00}, {$540.00} and for {$270.00}. The dealership told us these outstanding balances should have been taken care of and closed out at the time of trading the 3 different vehicles in to purchase a new vehicle. The 3 amounts listed above have been reported inaccurately and the trade-ins were not handled accurately by Honda Finance. I have an excellent payment history with American Honda Finance. I want these charge-offs removed from my credit report. I have already submitted disputes with experian to have these removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax Credit Bureau regarding a false information in my report submitted by an XXXX company in Texas, XXXX XXXX. I submitted a similar complaint against XXXX Credit Bureau at CFPB ( ID XXXX ) and XXXX reinvestigated the issue and deleted the negative XXXX XXXX mark from my report ( attached ). here is details about the issue : XXXX energy all of the sudden flagged an old account with them as a charge off on XX/XX/XXXX - I closed that account on XXXX XXXX after paying my balance. I learned about the XXXX negative reporting from XXXX email alerts. I was never notified by mail or phone that I have a remaining balance with XXXX XXXX from XXXX XXXX itself or any collection agency after i closed my account on XXXX XXXX ( neither they submitted any info to the credit bureaus until XX/XX/XXXX ). I only received communications via email and phone from XXXX XXXX offering a bonus if I came back to them as a customer. I did not open an account with them again and i believe that is why i got the negative reporting all of the sudden on XXXX XXXX XXXX continued to report incorrect information about my account even after I submitted disputes to XXXX and Equifax. Equifax have failed to identify and fix the problem.
Product: Checking or savings account

On XXXX XXXX i cash a check with merrill lynch sent to me from XXXX and on the XXXX of XXXX XXXX sent te funds to merrill lynch then my account got restricted saying i need to verify myself so i did then on XX/XX/XXXX they disbursed my funds without telling me anything about where they sent them to then they told me i was being sent a check for the remaining balance due to them closing my account, the funds from XXXX cleared from etrade on the XXXX of XXXX and they said they never received them which is not true, XXXX never received my funds back from merrill and they are holding my funds and will not return them saying i did fraud not true the check was cashed and cleared from XXXX .merrill then got the funds that was sent out back and reversed the transfer and ae keeping my funds when a account is closed with a remaining balance they are supposed to be mailed to the account owner and merrill did not do that they are lying and saying they don't have my funds the account settled on XX/XX/XXXX then on XX/XX/XXXX of XXXX and that was cash that settled so my funds were there and i want them back.On my statement it shows they have my money.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Bank of America ( BOA ) to send me my remain amount from the secured card I got from BOA and to close the account due to poor work by bank. The BOA charged me late fees and charged me on interests. The fact was I was only late for the first time in XXXX because Social Security Admin messed up my money. So, for being late for the first time, the BOA automatically suspended my credit card. I deposited my {$8000.00} in the secured card. I wanted to improve my score. But it never happens. BOA accused me for being late a several times. It is a lie. You have the previous report about BOA but u did nothing about it. The BOA did suspend my credit card for being late and demanded me to pay them. They SHOULD NOT suspend my credit card that happened to be my emergency card to get foods and gas. They actually suspended my credit card and refused allowing me using it until I pay them the payment. What the XXXX?! They can just report to credit bureau that I am late and they can even charge me for late of XXXX And that is it. But nope, BOA punished me by suspending my credit card and reporting to credit bureau and late charge fees and interests. BOA did not need to punish me more by suspending my card. And I was NEVER LATE previous and it proved you that I was not late before because they did not suspend my cresit card until recently in early XX/XX/XXXX. They suspended me! The information they have is so accurate! The XX/XX/XXXX does have the access to my bank but they only depends on banks reports to lower my score! It is dirty! Everyone of them are dirty and corrupted! 
Also because they suspended my credit card when it was actually an emergency card, I demanded them to send my remain amounts to me and close BOA account. They did close my account but did not send my remains so they did hope I d forget about it and steals the remains of money from secured card. I called last week to double check and found they did not send me a check of my remain money. I was so mad because I needed the check this last week. I had to wait another 2 weeks for check to get to my place. Tomorrow I am supposed to get my check. They promised I d get it on XXXX.
Product: Debt collection

A XXXX XXXX continues to call my place of employment which has caused me embarrassment and problems at work. I can not receive collection calls at my work XXXX XXXX XXXX XXXX.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 eleve mane information is inaccurate.
Product: Mortgage

I am extremely frustrated with Wells Fargo. We have our insurance paid annually through our escrow account, but Wells Fargo made a serious error and failed to pay our insurance to XXXX. When we called to inquire, they admitted it was their mistake. They even sent a letter confirming the error and promised to resolve it. However, it turns out they accidentally issued multiple checks and then canceled them due to duplicate payments. As a result, the insurance company believed they had been overpaid and sent us a refund check. 

Now, due to an issue on Wells Fargo 's end, the insurance was never paid. We have no control over the escrow account, which has been paying the insurance without issue for the past three years. Despite this, Wells Fargo now wants to charge us for GAP insurance at an inflated premium. This is completely unacceptable. The mistake was theirs, and yet they are trying to pass the responsibility onto us. Wells Fargo should be held accountable for their error and cover the cost of the GAP insurance, not us.
Product: Credit reporting

his goes to XXXX and EQUIFAX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular XXXX XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX, I was an authorized user only in XX/XX/XXXX-XX/XX/XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX XXXX not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both XXXX and EQUIFAX are in direct violation of conspiring to embezzlement with XXXX XXXX by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling XXXX and EQUIFAX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX XXXX was removed you allowed them to go bank on costing me over XXXX points in one week combined with both crediting companies. I Am building a huge case against XXXX XXXX for several other issues, if XXXX wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest XXXX and EQUIFAX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX XXXX CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost XXXX and EQUIFAX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX XXXX is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
Product: Checking or savings account

During the months of XXXX to XXXX of 2022, my checking account has been froze on many occurrences due to sending money by using XXXX. As I called the bank and told them I used XXXX a lot to send money and there is no suspicious transactions that they should be worried about, they continue to keep freezing my account whenever I use XXXX through Discover bank. I have talked to so many customer service representatives and the supervisor, they all said that this is for security purposes even if clarify with them all the XXXX transactions are legitimate. Just last week Discover bank froze my account again, I had set up payment toward my credit card, and that caused the payment to be returned even though I have sufficient funds in my checking account. Indirectly, my credit card has closed all my accounts due to the returned payment and over credit limit. The freeze from Discover bank has caused me so many problems with other institutions and nothing can be solved unless I call in to unfroze the account for XXXX transactions but this event last week has caused a lot of stress as my credit score will now be negatively effected. Why is there no call to me prior to freezing or closing my accounts?
Product: Debt collection

I had an account for internet services with XXXX XXXX and had canceled the service. After I had called to cancel, they continued to bill me without my knowledge. I then received a bill many months after saying that I had an outstanding balance. I informed them that I had canceled the service and they still billed me even after that conversation. I do not owe them the {$520.00} they say I do. It has gone to a debt collector who continues to try to collect. The collections company has this shown on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I agreed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX to initiate a {$3500.00} payment to my CitiBank/AT & T ( Universal Card ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent CitiBank {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. XXXX reported the New XXXX Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the CitiBank/AT & T Card half of the transaction, which left hidden the {$3500.00} lower balance in the CitiBank Card and didn't report a 20.1 % LOWER CitiBank Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point CitiBank/AT & T Score . The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a CitiBank promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then CitiBank chose to REDUCE my Credit Score XXXX points. Wait. What?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I traveled to XXXX, XXXX for dental work. I had an appointment at XXXX to XXXX XXXX XXXX at XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, and XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I took a taxi cab and arrived in front of the building around XXXX where the incident of theft happened. The taxi cab stole my phone, confiscated my XXXX XXXX, and gained access to my online banking to submit an unauthorized XXXX transfer to an XXXX XXXX phone number XXXX in the amount of {$3400.00}. My phone that was not in my possession at the time of unauthorized transfer, was an XXXX XXXX XXXX XXXX and the suspect is still using my phone. I have reported the serial number and IMEI in the police report. I've also reported this incident to the the FTC and FBI. 

I have explained to Bank of America what happened as the person who sent the XXXX transfer was not me. I did not receive any gift or services from an XXXX XXXX. Bank of America has failed to recognize this as an unauthorized transaction by theft or robbery outlined in Regulation E. BofA emailed me their decision and is not honoring my claim, see attachment. Please help me recover my funds. Reverse this unauthorized electronic funds transfer I did not give consent to.
Product: Debt collection

I am writing to file a formal complaint regarding a debt collection issue involving Credence Resource Management. The account, as reported on my credit file, lists a balance of {$6600.00}, which was last updated on XX/XX/year>. I have no knowledge of this debt and have never entered into any agreements with this company or the original creditor. 

Despite disputing this matter previously, the company continues to harass me with repeated collection attempts. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits attempting to collect debts that are not verified or valid. Additionally, this collection has been reported inaccurately on my credit report, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that all information reported must be accurate and verifiable.

Key Issues : 1. Debt Validation : Credence Resource Management has failed to provide any documentation or proof that this debt is mine.

2. Continued Harassment : The company has repeatedly attempted to collect this debt, even after my prior disputes.

3. Credit Report Inaccuracies : This account has been reported to credit bureaus without proper validation, negatively impacting my credit score
Product: Mortgage

My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ongoing dispute that was file inXX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app Block , Inc due to inadequate customer service and unfair practices, which viloated the Consumer Financial Protection Act ( CFPA ). Specifically Cash App Failed to take timely and protected measures to prevent and address fraud on their platform, leaving my account valunerbale and unprotected. Further, more there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Funds transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and redress for these violations.
Product: Credit card

Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? 

The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.