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

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Debt collection

Hello I have sent certified letter to the creditor to stop contacting me I did not apply for credit with them XXXX XXXX XXXX continue XXXX XXXX calls letters even when you tell them to stop in writing. Do to COVID and not working its stressful I will be seeking legal advice on bk Please contact them and tell this company to stop contacting me after I wrote three times to stop but they continue with law suit intent to file against me in COVID lockdown Thanks again for your help
Product: Credit reporting or other personal consumer reports

Upon the agreement of XX/XX/XXXX the company XXXX XXXX XXXX in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However XXXX XXXX XXXX is the XXXX to which I was working with directly. XXXX XXXX XXXX has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with XXXX XXXX XXXX there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. XXXX XXXX XXXX has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.
Product: Debt collection

i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.
Product: Debt collection

Name of Creditor : Financial Control Services Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, TX XXXX Re : XXXX Amount : {$330.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting 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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.
Product: Mortgage

We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending XXXX and account ending 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

i was Making Payment to PayPal every Month on Time, but i've Noticed that The Company was Charging me Extra fees for no Reason i was Paying over a year and my Balance keep Increasing Rather than Decreased I Contacted the Company Via Phone on XXXX this year and didnt get any Result than i sent them Letters over and over on XXXX XXXX XXXX and asking them for over Charges fees no REsponse at all than i Closed my account and the Company still Charging me fees for closed account. 
the company also hurt My Credit Score by Reporting Negative Report to Credit bureau
Product: Credit card

The situation involves a notice from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX account ending in XXXX. The letter informs that American Express has decided to assign a {$3000.00} Preset Spending Limit to the account following a recent review. The stated reason for this decision is that the average of recent payments, in relation to the balance on XXXX or more American Express accounts, was considered too low. 

This change means that if the outstanding balance, including any charges not yet posted, exceeds {$3000.00}, additional charges may be declined. The new spending limit affects all cardholders associated with the account. Although American Express may approve charges that exceed the limit at its discretion, those charges will still need to be paid. 

The notice offers options for further information or to request a review of the decision, which must be done by XX/XX/year>.
Product: Checking or savings account

Synchrony bank doesn't communicate properly when a CD is maturing. They have a complicated way of communication that involves logging in the account and retrieving messages from the INBOX located within the online account. The customer doesn't get any option after 10 days of the grace period, and has to pay penalties if he/she wants her money available for withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me.
Product: Credit reporting or other personal consumer reports

Heres a formal complaint Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Failure to Issue 1099-C for Charged-Off Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to issue a 1099-C Cancellation of Debt Form for my XXXXXXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this matter directly with XXXX XXXX XXXX, they have refused to provide the required tax document in accordance with federal law. 

1. Background of the Issue XXXX XXXX XXXX XXXX account was charged off on XX/XX/XXXX, and later sold to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In their written response dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX stated that a 1099-C tax form is not required because the charge-off does not equate to debt forgiveness. 

However, according to IRS regulations under 26 U.S. Code 6050P, creditors must issue a 1099-C form when a debt of {$600.00} or more is discharged, canceled, or written off as uncollectible. 


2. Violation of IRS XXXX XXXX XXXX XXXXXXXX XXXX has failed to issue the required 1099-C despite confirming in writing that the debt was charged off and removed from their books. If XXXX considered this debt uncollectible for their own accounting and tax purposes, they are legally obligated to issue a 1099-C to both me and the IRS. Their refusal to do so violates federal tax laws and creates potential tax complications for me as a consumer.
Product: Debt collection

XX/XX/2019 CCS Collection there are collecting {$140.00} for XXXX XXXX   XXXX was supposed to give me service for my Internet.they never provided me with the service. 
I called the customer service and they said someone would come out and go inside my home and hook up the box up. 
I called back and spoke with one of the customer service and I told him no one ever came over. 
the customer service told me someone should be there To install the box. 
the text said I am supposed to install the box myself.I never receive service. Hi
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Product: Credit card or prepaid card

The credit card is set up with US Bank to auto-pay the full balance monthly and has worked well until XX/XX/XXXX. For XX/XX/XXXX, US Bank initiated the payment but did not post it until after the statement cutoff and showed the balance indicating the payment is overdue.

I contacted US Bank and was told all was well, the payment was posted but after the statement cutoff. In XX/XX/XXXX, the ACH showed up but was not for the outstanding balance after the XX/XX/XXXX payment was applied, rather US Bank took the entire amount for XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX ; even through US Bank already received XX/XX/XXXX payment ( {$3100.00} vs. {$1000.00} that remained after the US Bank applied the XX/XX/XXXX payment ).

Since I budget funds in my checking account sufficient to cover actual debts between paychecks and invest the rest to earn a higher yield, this nearly double charge, if not timely remedied, will invoke my overdraft line of credit resulting in interest charges. I expect reimbursement for any costs created by US Bank.
Product: Credit reporting

I accessed my credit report and saw that there were at least XXXX social security numbers that I did not recognize associated with my name. In trying to rectify the problem, I am asked to pay for services to access my credit report again. There is erroneous information on my credit report which does not belong to me and it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried cancelling XXXX XXXX XXXX XXXX service in 2017. I spoke with an agent over the phone who acknowledged that my service was being terminated. XXXX continued to bill me for this service for almost a year afterward, even after I moved from the address where service had been initiated. I eventually got my service terminated but they wanted to collect {$140.00} for three months of service I did not use. 

At some point XXXX XXXX XXXX transferred this account to a credit collection agency called SEQUIUM ASSET SOLUTION. In response to a written notice I got in contact with this agency earlier this year telling them I disputed the debt. They stopped contacting me or so I thought. 

A few months later I started receiving call from a XXXX, NY number I didn't recognize. The agent asked who I was, but I asked them to identify themselves before I confirmed my own identity and they would not, saying only it was a private matter. Because I didn't feel comfortable confirming my identity, they hung up, and I had no idea what it was about. Then, yesterday, I see a delinquent account reported to XXXX and since those XXXX calls stopped, I now assume they were about this XXXX XXXX XXXX XXXX charge that I've been disputing for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

i had bought three card thre seperate times i never have a problem with this company untill now when i purchased the cards i tried to use them and they where declining at the stores checked the balance and they where already used. called customer service to file a claim for the cards since they didnt have funds ... .. and and they approved my case sent me new card but some days later i recieved a second email from them stating the case was not approved and that the new card they sent me would not have balance on them so basically they approved my case then later said case not approved.with no explenation whats so ever. so basically theft. below i will write down the info of the cases including the old card number that i bought witch had no funds in them. 

case 1 # XXXX card number XXXX case 2 # XXXX card number XXXX -- XXXX case 3 # XXXX card number XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX bal. {$4300.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX BA bal. {$0.00} XXXXXXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX bal. {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I requested my HSA funds from XXXX XXXX  be transferred by check to my new XXXX HSA account. However, XXXX sent the check to the wrong bank, BMO Harris. BMO Harris cashed a check that was not written to them as it was written to XXXX XXXX FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by BMO Harris. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and XXXX is refusing to do what the other two banks recommended ( fill out the fraud form ). Essentially, BMO Harris has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by XXXX. XXXX is refusing to file the fraud form. They are telling me I can't fill the forms out since the check was technically written to XXXX and not me directly even though my name is also on the check as the FBO. Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. XXXX is completely ignoring the police report that was filed verifying this crime against me but for some reason, XXXX insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX and XXXX Attorney General.
Product: Mortgage

At last payment, after 30 years of direct deposit payments, Wells Fargo put s lien on my home for {$150.00} I was never billed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a DNA test and the child was 100 % not my child after years of paying support. The XXXX   Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another XXXX child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. XXXX Child support, XXXX, XXXX and TransUnion, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.