23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Removal of Inaccurate Information from XXXX Credit Report Dear XXXX XXXX XXXX hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report, which I believe does not reflect my true financial situation. As a father of XXXX children, managing a large family comes with its own set of challenges, and I take my financial responsibilities seriously. However, I have identified inaccuracies that I am seeking to correct to ensure that my credit report accurately reflects my payment history and financial obligations. 

Below are the details of the disputed informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Partial Number : XXXX Account charged off amount : {$980.00} Date Reported : XX/XX/year> Description of the Inaccuracy : This is not my account Reason for Dispute : I believe this account was fraudulent I understand that as a parent, managing multiple financial responsibilities can be difficult at times, but I always make it a priority to meet my obligations, especially with my childrens needs in mind. I am seeking your assistance in correcting this error, as it negatively affects my credit standing and, ultimately, my ability to provide for my family. 

I kindly request that you investigate this matter and update my credit report accordingly. Your assistance in resolving this issue would be greatly appreciated, as it is crucial for both my financial well-being and my ability to support my family. 

If any further documentation or information is needed, please do not hesitate to contact me by phone at the number and email above. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft collections accounts : XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$85.00} Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the F.C.R.A XXXX  account number XXXX violated the law. According to 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions, I did not give anyone written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.
Product: Debt collection

Notified by credit monitoring company that I had a collection item negatively affecting my score. The collection record was placed by Helvey and Assoc for XXXX XXXX of Ohio. The debt was for the final gas bill as the house was sold XX/XX/2020. I had notified XXXX of my forwarding address via phone call, also filed a change of address with the post office. Additionally, XXXX sent their billing confirmations to my email address. 
And yet, I received no notification of an outstanding balance. 
Helvey refuses to remove the collection record even though I paid the debt the day it was reported to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account.

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given XXXX continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

BY THE FAIR CREDIT REPORTING ACT, ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATERS I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$930.00}
Product: Debt collection

I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
Product: Debt collection

TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.
Product: Money transfer, virtual currency, or money service

Our company is XXXX and on XX/XX/2022 a client, whose name I am redacting to comply with the confidentiality instructions for this complaint, but whom I will refer to as buyer hereinafter, purchased a XXXX XXXX  drain pump with housing and a jar of XXXX gel coat through our website. The total for this was {$140.00}. The transaction for this purchase was done through PayPal. The clients items were delivered to the clients address in accordance with XXXX tracking number XXXX. Then, months later, on XX/XX/2022, the client apparently filed a dispute for item not as described and PayPal sided with the customer in giving them the full amount of their dispute which was {$140.00} ( XXXX XXXX XXXX and XXXXXXXX United States Dollars ) as the resolution to the dispute case number XXXX XXXX Needless to say, we disagree with this decision and began inquiring with PayPal as to how they came to this decision. Our team members asked questions such as how was the item not as described? Do you have an image which shows how the item was received and which, furthermore, proves that the item was not as described? Do you even know what the item was or did you simply flip a coin and decide to side with the buyer? In summary, we first and foremost want our payment of {$140.00} returned to out account and, second of all, want to know how PayPal came to this decision in the first place if they did not have any evidence whatsoever that the item was actually received in a way which was not as described.
Product: Credit card or prepaid card

On XX/XX/2022 I traveled to XXXX, TN. I met up with a group of friends and we went for brunch at XXXX on XXXX XXXX. When the bill came we split the bill and it came out to {$42.00} dollars a person. I initially was going to pay with my Barclays Jet Blue Credit Card but then decided to pay with cash instead. I got up and walked to the waiter and told him that I will instead pay with cash. He said he will be right over to bring me back my credit card, which few minutes later he did. I left the cash and so did most of my friends on the table with the bill and we left. I never signed or authorized any amount on my credit card. 

When it was time for me to pay my monthly credit card bill, I noticed an amount of {$270.00} on my credit card from the same restaurant. I immediately called the restaurant to speak to the manager regarding a fraudulent charge billed too my credit card by the restaurant. I was advised that the manager will call me back. I have called four times and left messages for the manager to call, which he never did. I believe the waiter used my card to charge someone else 's bill because even our bill wasn't that much, our bill came out to total between my friends and I was {$180.00} dollars. I called the Barclays Bank to dispute the charge and advise them that as per my disclosure agreement with them, I am protected from any and all unauthorized or fraudulent charges and that the charge billed by the restaurant is fraudulent and was never authorized or signed by me. They refused to accommodate me and protect me as a consumer and advised me that there's nothing they can do to reverse the charge. I then asked them to show me what proof did the restaurant provided to show that I authorized the charge and they simply said they cant share that information with me. I plead for your help in try to resolve this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Made a purchase with a vendor on XX/XX/2020. Cancelled my order XX/XX/2020. The vendor issued a refund XX/XX/2020. PayPal has yet to refund my money. I'm unable to contact PayPal by phone. Contacted PayPal by email. PayPal states that could take nine days for a refund. Their own website indicates 3 to 5 days. Financial institution I use states it is instantaneous. The vendor States These  funds should be refunded the same day. PayPal gives me the runaround and holds my money, {$1400.00} approximately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to XXXX in regard to account name : ( XXXX XXXX XXXX ) Account number:XXXX 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC.13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record acquisition of such information without the authorization of the individual.

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ;
Product: Credit card or prepaid card

CB/NY & Co is posted multiple times on XXXX. This accounts was in good standing and was closed by CB/NY & Co with a XXXX balance and currently bring reported more than once on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. '' XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. ''
Product: Checking or savings account

chase has violated me several times during my 5 month journey the main concern was Chase closing and blocking my account which caused me no access to any funds for 3 weeks costing me a job, car insurance license being revoked to, causing my mortgage to get behind and also costing my child support to also fall behind then violating the whole system in general by not giving me a temporary credit on a claim that was made before they close my account during a live dispute and also made me a cancel a dispute where my card was closed for fraudulent activity but when i tried to dispute two charges that i did not commit on XXXX and XXXX for XXXX that i did not make a superviosor name XXXX XXXX not allow me to dispute the 2 fraudulent transactions they stated a since the transaction were dont I had to make them yet this accoutn was closed because of fraud on this card yet durnign that tiem whey would not allow me to receive temporary credit when i when i should have been given a temporary credit when it was filed because the card was lost/stolen and the account was compromised ... and they were not supposed to close my account during a disupute nor would chase allow me to dispute those XXXX XXXX transactions that i did not make, they called me a lier and refussed to accept the fact that i did not make the transaction they woudl not allow me to be rewareded a a claim from XX/XX/XXXX that was not researched because i had receive 2 of the credits when three were filed at one time during this lost of card.. they made cancel 1 claim in order to get assitance on the other when i had nothing to do with either transaction... .atm number was not entered if so then it was compromised but these woudl not allow me to file a claim and they closed by account while a claim was in process and i just could not wait to writ cfpb ..please assist me with me my money since i am out of a job car and house .....