23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dates associated with item being disputed : Last date verified XX/XX/XXXX o Explanation of item being disputed : o The high balance for XXXX is showing {$14000.00} while XXXX is showing a high balance of {$10000.00}. 
o The date of last payment on my report is showing XX/XX/XXXX on XXXX and XX/XX/XXXX for XXXX. 
o The Date of last activity is showing XXXX/XXXX/XXXX for XXXX and XX/XX/XXXX on XXXX. This clearly is showing that these companies are falsely and recklessly reporting inaccurate information as this date is the date used to age the account and is used to determine when the 7 year reporting period will end. This is unfair as there could be extra years added onto this particular account that is reporting on my report. 
Ive repeatedly reached out to XXXX, XXXX and the Company named Center Street Finance with no response on this debt about the validity and errors they continue to report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Personal Information on My Credit Report Dear Experian Disputes Department, I am writing to formally dispute certain personal information reported on my credit report. I have reviewed my credit file and found inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to [ describe the inaccurate personal information, such as name, address, is incorrect. 

The FCRA mandates that credit reporting agencies maintain accurate and complete information. Under Section 1681i, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. I kindly request that you conduct an investigation into the discrepancies I have identified, and correct or remove any inaccurate personal information from my credit report. 

The information I am disputing includes : [ Incorrect Information # 1 ] ( e.g., Misspelled Name : XXXX XXXX. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of relevant documents that support my dispute, including government-issued ID, utility bills, or other evidence that proves the inaccuracy. Please update my credit file accordingly and send me a revised copy of my credit report reflecting the corrections by mail. 

I expect that the investigation be completed within the 30-day period specified by the FCRA. If the investigation does not resolve the dispute in my favor or if the information can not be verified, I request that it be permanently removed from my credit report. 

If you require any further information or clarification, please do not hesitate to contact me by mail with the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. 

Calling me after hours of XXXX and before XXXX
Product: Credit card

I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
Product: Credit reporting or other personal consumer reports

Experian is making it impossible to access my account, I have contacted the customer service number on multiple occassions to gain access to my account but it will not allow me to speak to a live person. I changed my telephone number months ago and have not been able to update this information with experian. I have a membership, XXXX that I was granted due to a breach and then a free membership. Everytime I try to access it, it attempts to send me a text. There is no option for another mode of verification such as an email. The automated system will not direct me to a live person because it states it can only transfer to a live person for certain issues. I have no means to get a live person or update the information. This leaves my data open and vulnerable and I have no ability to update it. I have been wanting to validate my fraud alerts and more but experian is leaving me with no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are more than 7 years old. They refuse to remove in the statutory time frames required by law. These items were included in a bankruptcy which is more than 7 years since since the discharge date. 

1. Account Name XXXX XXXX Account Number XXXX -- Discharged through Bankruptcy Chapter Status Updated XX/XX/XXXX 2. Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 3.  Account Name XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 4. Account Name XXXX  Account Number XXXX Status was a account opened via fraud, company will not remove. 

5. Account Name XXXX XXXX Account Number XXXX Account Type Credit card Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX 6. Account Name XXXX XXXX XXXX XXXX Account Number XXXX More than 7 years past the original date of XXXX 7. Account Name XXXX XXXX XXXX Account Number XXXX Status, more than 7 years after date of last debt issue, was included in bankruptcy
Product: Checking or savings account

Yes, on XX/XX/XXXX my posit was went into my account from Credit Karma that was closed. Have my money even get into that account. If that count is closed and now theyre not even saying anything thats going on with my money they close my account without me even know
Product: Debt collection

To Whom It May Concern, I recently checked my credit reports and noticed this account on my credit. After some investigation, I realize this account belongs to XXXX XXXX XXXX, XXXX  XXXX. I wrote a letter and I didn't hear anything back from the company. I have asked for a copy of the signed lease agreement to prove the signatures are different. Please assist me in removing this from my credit. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit card or prepaid card

On XX/XX/2023 I received a letter in the mail stated that CitiBank XXXX XXXX XXXX Home Depot ) needed to confirm a valid application. So I called the fraud verification unit at XXXX XXXX XXXX XXXX and spoke with a representative that stated someone in XXXX Florida tried to apply for a credit card in my name. I told her that wasn't me I live in XXXX XXXX She stated that the investigator will get back with me about this situation. On XX/XX/2023 I checked my credit report and saw that on XX/XX/2023 there was an Hard inquiry on XXXX. Spoke with the gentleman and he stated it would be removed and put a lock on my credit report and gave me the email address ( FTC.GOV ) to connect you and make a report. 

Thanks in advance XXXX
Product: Mortgage

We were promised on the phone, that the closing costs would only be XXXX XXXX dollars, and that we would not need any additional money. come time to sign the contract we were hit with XXXX XXXX + dollars to close plus XXXX months of reserves which they knew we did not have that kind of money before we even agreed to let them run our credit. as we were on a fixed income from XXXX of XXXX dollars, we then asked about a XXXX XXXX XXXX and were lied to saying we did not qualify for XXXX, even tho the government website said we did and confirmed with another similar company that we did indeed as he asked if I filled out that form.
Product: Student loan

Loan repayment with Navient started in XX/XX/XXXX. The loan amount taken out was {$3700.00}. I was submitting more than the monthly payment per month in the hopes of paying the loan off ( approximately {$120.00} ). Called the company several times to find out why my payments did n't seem to be decreasing my balance and was told that since I was in the beginning of stages of repayment, that majority of my payments were going to interest but that that was normal and would change after the first year. However, it is almost 10 years later and I am still making payments on the loan with the loan balance currently at {$2900.00} with the last scheduled payment according to Navient not being paid off until XX/XX/XXXX. This is insane as I paid double the amount of the balance due for the first several years and it seems that almost every payment made for the first several years was only paid toward interest. This seems criminal that it will take 15 years to pay off a loan that was taken out for less than {$4000.00} Navient does not seem to be able to provide me accurate justification for how my payments have been allocated properly. In addition, the school I attended ( XXXX XXXX ) has been shut down and I was unable to complete the program as it was required that I complete an XXXX as part of the program. The school assured me that I would be able to be accepted into an XXXX  program as well as find gainful employment in my field since I am a veteran who previously worked in the XXXX XXXX during my time in the military. However, I was not able to find any XXXX that I could be accepted in and as a result was unable to successfully complete the program or transfer to any other program since all of the school locations have been shut down.
Product: Checking or savings account

In XXXX of 2023 I purchased an item from XXXX XXXX  using my Webster bank card in the amount of {$590.00}. The item arrived not as described and box was damaged on XXXX side. I tried to contact the company who was going to charge a restocking fee so I disputed the purchase with Webster Bank. I continually contacted Webster and was recently told they found in favor of the seller and I was not provided any reason as to why.
Product: Mortgage

I received a written letter and it " appeared '' to be from XXXX XXXX my existing lender, stating that i had available funds in my account. It seemed like there was a escrow balance available to me for {$3200.00} ( titled available funds ). After following up on it, it was actually a solicitation from another bank altogether called Veritas Funding. This is clearly disceptive marketing practices to lure an uninformed borrower and it needs to be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including Transunion, XXXX and XXXX.
Product: Checking or savings account

I am an existing credit card client with citi bank and opened a new checking account for my paycheck direct deposit and try to get the account bonus from them. After I successfully opened the account and I try to set up XXXX and it successfully set up. I received my paycheck in the citi bank checking account and try to send it out to myself in other bank to consolidate all the fund and then citi bank block my online access to the account. And I tried to call them to solve it and they said they can't see a checking account linking under my name and ask me to register a new user id for online banking and I did follow the instruction and register. After that, i successfully access the checking account with a new user id and successfully transfer the fund by using XXXX. And my second paycheck comes in this week and I try to do the same thing to send the fund by using XXXX and the access get block again and called again, they said they will close the checking account since the risk department said so. And it is under investigation and I XXXX receive a check within XXXX 

And I feel really disappointed with citi bank service that I can not move my fund and access my fund at this moment and expected me to wait for 60 days to access my own fund. And now I have no way to access the online banking or getting support from the bank at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Product: Mortgage

I am with  Fay Servicing  and I was sick with  XXXX  and fell behind   XXXX   months. I was paying  XXXX  month at a time and then when I saved enough to pay  XXXX  months they send me an Act  XXXX  when I was not even   XXXX    days past due. I applied for a modification and was denied because the investor stated I had a modification in   XXXX   XXXX   at which time they raised my interest to 6 %. I am filing an appeal but I understand that I should not have received the Act  XXXX  until I was   XXXX   days delinquent according to your   XXXX   XXXX   XXXX    XXXX  day rule in PA. Please help me in this matter.
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 : 1. XXXX XXXX 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 believe that the information is inaccurate.
Product: Prepaid card

Subject : Complaint Regarding Unauthorized Transactions and Financial Institution 's Handling Dear Sir/Madam, I am writing to formally lodge a complaint regarding unauthorized transactions on my Ace Elite Prepaid Debit Card account and the inadequate response by the issuing institution. 
Incident Details : Date of Unauthorized Transactions : XXXX XXXX XXXX Merchant Involved : XXXX Amounts and Timeline : {$0.00} ( initial test transaction ) XXXX XXXX {$500.00} ( completed ) XXXXXXXX XXXX {$300.00} ( completed ) XXXXXXXX XXXX  {$100.00} ( completed ) XXXXXXXX XXXX  {$100.00} ( declined due to insufficient funds ) XXXXXXXX XXXX These transactions occurred within minutes of each other, rapidly depleting my account balance. I did not authorize any of these transactions, nor have I ever used XXXX or purchased cryptocurrency in my lifetime. 
Actions Taken : Immediate Contact with Ace Elite : I called Ace Elite within minutes of receiving text alerts about the transactions. Despite my swift action, I was informed that they could not act while the transactions were still pending. However, the funds had already been deducted from my account.

Disputes Raised : I formally disputed the transactions with Ace Elite and requested a freeze or reversal. I was told I must wait for the transactions to clear before further action could be taken, leaving my account vulnerable. 
FTC Complaint : I submitted a complaint to the Federal Trade Commission ( FTC ), outlining the suspected fraudulent activity and the possibility that my information was compromised by an online merchant or third-party vendor using mirroring software to intercept payment data. 
Suspected Fraud Source : I suspect the compromise originated from an online merchant/vendor that had access to both my XXXX XXXX XXXX XXXX and Ace Elite Card information. These cards were used with select subscription-based services, narrowing the potential breach point to specific vendors. 
Request for Immediate Assistance : I am seeking your assistance to : Investigate Ace Elites handling of this situation, including their delay in addressing the fraudulent transactions.

Determine why Ace Elite failed to act on an obvious pattern of suspicious activity.

Ensure the return of my stolen funds totaling {$900.00}. 
Take steps to prevent future occurrences of such incidents, including stricter oversight of merchants handling sensitive consumer data. 
Supporting Documents : I have attached the following : Transaction alerts and details. 
Correspondence with Ace Elite.

Copy of my FTC complaint.

Any additional relevant evidence.

Thank you for your prompt attention to this matter. I hope for a resolution that includes the recovery of my funds and assurance that Ace Elite and associated institutions will take stronger measures to protect consumers. 
Sincerely,
Product: Debt collection

I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.
Product: Debt collection

As an XXXX, I had provided services to XXXX & XXXX XXXX at XXXX XXXX XXXX in XXXX, NJ XXXX under a contract we'd signed in XX/XX/2022. 
While they paid the first two payments, they changed their mind and their project required additional work. As my agreement with them allowed me a range between $ XXXX in cost, I had therefore charged them additional funds ( total of {$11000.00} ). 
While this is irrelevant to you as a consumer financial protection bureau, the next part is. 
On XX/XX/XXXX, XXXX XXXX signed a TD personal check to me for the final amount of {$5500.00}. I deposited it in my XXXX XXXX  on XX/XX/XXXX and it was returned by my bank on XX/XX/XXXX with a strange comment : " warranty Breach ''. I went to TD Bank and they could not explain or help. I went to XXXX and they tried to recover more info. I emailed the chairman of TD Bank, who said it's a legal act : In response to your below e-mail, we have confirmed that Customers do have the ability to place stop payments on any check written from their account, provided the check has not already been cashed. The transaction can be stopped up to and including the posting date. 
At this time, your only recourse would be to pursue legal action against the maker of the check, who placed the stop payment. 
Thank you for allowing us the opportunity to review this matter. 
Regards, Chairman 's Service Center Office of the President and CEO TD Bank, America 's Most Convenient Bank I spoke to several legal professionals in the banking compliance field and they agreed that it's not legal to stop a legal tender signed not under duress, fraud or loss of check. 

If the payer had misgivings about their payment or agreement, they should have addressed it with the service provider ( Me ) rather than stop payment on a legal tender. 

Our economy is based on receiving payment for goods and services, if anybody could stop payment on their legal payment, forcing the receiver to spend time and money on collection of the checks they received in good faith, it'd crate havoc.