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

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. The information in question relates to a collection from CCS Collections with an alleged balance of {$150.00} and a status of paid, which I did not make any payment toward this debt collection agency. 

This collection is not only inaccurate, but it also violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information included in consumer reports. In this case, the collection account is inaccurate and should not be reported as paid when I have not made such payments.

2. 15 U.S.C. 1681i ( a ) ( 1 ) : I am formally disputing this item, and I am requesting that you investigate the validity of this debt. As required by law, I expect this investigation to be completed within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency is also prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt, which appears to be the case here. 

I request that this collection be removed from my credit report immediately as it is inaccurate and misleading. Please provide me with a written confirmation of the deletion of this item from my credit report. If this item can not be verified, it must be deleted under the law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this error has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violating my rights. Under 15 U.S.C. 1681 section 602, states, I have the right to privacy. 15 U.S.C. 1681 section 604a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 15 U.S. Code 1681a - Definitions : rules of construction, The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency ( Experian ) bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living... Further, under ( 2 ) EXCLUSIONS, it clearly states except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; the reporting of XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/2023, as having late payment and being charged off is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX* Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XXXX XXXX Balance Owed : {$1400.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX Balance Owed : {$22000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account was sold but still reports a balance, please delete this account. 

XXXX XXXX Balance Owed : {$8200.00} - I am not the owner of the account. Remove this account. 

XXXX  XXXX Balance Owed : {$5700.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} -This account does not belong to me, please delete this account. 

XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} - Balance Reported incorrectly, you have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX Balance Owed : {$1000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX  XXXX Balance Owed : {$150.00} - I have no knowledge of this account, please remove this account. 

XXXX XXXX  XXXX Balance Owed : XXXX - This account does not belong to me remove this account as soon as possible. 

XXXX  XXXX Balance Owed : {$4700.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX Balance Owed : {$2500.00} - Delete this unverified and inaccurate account.
Product: Credit card or prepaid card

I received a bill for the annual fee for a credit card on XX/XX/2019 from Barclay Bank for an XXXX XXXX XXXX Mastercard. I have not used this in a year or so. I called the Service line for Barclays Bank 's on XX/XX/2019 found on the back of the bill. I spoke to an " off-shore '' service individual about closing the account. After providing my name, date of birth, l

ast four digits of my social the service center could not find my account in their database. I was put on hold for more than 20 minutes. I called back and went through the same process and then asked to speak to a supervisor. No one could find my account although the card company sent me at least two bills at my current address. I had destroyed the card after the previous bill so could only provide the last four digits from the current bill. After 30 minutes on hold I gave up. I wrote a letter to cancel the account and mailed i
t with a copy of the bill to the bank. I am disturbed that a credit card company can send me a bill, but is incapable of cancelling my account. I have spent hours dealing with this without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I received a letter addressed as follows : XXXX XXXX [ my mortgage lender ] [ My name ] [ My address ] The fact that the address included the name of my mortgage lender -- along with the admonition to " open immediately '' -- made me think the letter was an important document from my lender. When I opened the letter, it was a refinance offer/advertisement, and it wasn't from my lender at all. It was from a company called Millennial Home Lending. But if I had not read the letter carefully ( or the fine print disclosures on the back ), I would have thought it was an offer from my own lender. This is a deceptive practice. Even if it's not harmful to a borrower ( which I think any such deception is harmful ), it is an unfair business practice.
Product: Credit reporting or other personal consumer reports

**Contact Attempts : ** XXXX. XXXX XXXX, XXXX : ** I initiated contact with the customer service department to address several identified discrepancies within my account. During this conversation, I was assured that a comprehensive review would be undertaken to rectify these issues. 
XXXX. XXXX XXXX, XXXX : ** I followed up on my initial inquiry, seeking an update on the status of the review. Unfortunately, I did not receive any substantive information or documentation to address the discrepancies previously noted. 
XXXX. XXXX XXXX, XXXX : ** I made a third call to customer service, explicitly requesting specific documentation, including payment history, account statements, and all relevant correspondence. Despite assurances that these documents would be delivered, I did not receive any of the requested materials. 

Formal Dispute : XXXX. XXXX XXXX, XXXX : I formally submitted a dispute to XXXX XXXX XXXX , meticulously detailing the inaccuracies within my account and formally requesting the necessary corrections. Despite this formal approach, no satisfactory resolution was achieved. 
XXXX. In my formal dispute, I also requested the issuance of a 1099-C form to reflect any cancellation of debt, which is crucial for accurate tax reporting. 
XXXX. Additionally, I requested a copy of the original loan agreement contract to verify the terms and conditions agreed upon at the inception of the loan. 
XXXX. Finally, I highlighted an incorrect balance amount that appeared on my account, seeking a correction to ensure that my credit report accurately reflects my financial obligations.

Despite multiple attempts to resolve these issues through both informal and formal channels, the discrepancies remain unaddressed, necessitating further action to rectify the inaccuracies in my credit report.
Product: Mortgage

To make this as simple as possible ; third times the charm I hope. Simple math : Prior to force-placed lenders insurance in XX/XX/XXXX, my monthly payment was {$2100.00}. From XXXX XXXX to XXXX XXXX, I should have paid {$21000.00}, but because of the escrow shortage created by the improperly placed LPI, I actually paid {$23000.00}, or {$1300.00} in increased monthly mortgage payments to recapture supposed escrow shortage ( increase was from XXXX XXXX thru XXXX XXXX ). 

In XX/XX/XXXX you placed LPI in the amount of {$2800.00}, even though three weeks prior to the LPI placement, you disbursed from my escrow account the annual premium to my third party provider ( XXXX 's XXXX ), fully nullifying the supposed necessity of LPI.

From XXXX XXXX thru XXXX XXXX I paid a varying monthly LPI payment of of either {$220.00} or {$230.00} ( depending on days in the month ), of which totaled {$1800.00} in monthly LPI charges. 

HERE 'S THE SIMPLE MATH BEING OVERLOOKED : {$1300.00} - overpayment from supposed escrow shortage, plus {$2800.00} - one-time LPI premium in XX/XX/XXXX, plus {$1800.00} - monthly LPI payments XXXX XXXX XXXX thru XXXX XXXX, totals {$6000.00} - overpayments resulting from LPI and escrow shortage Less {$2500.00} - LPI refund XXXX XX/XX/XXXX, and {$1900.00} - LPI refund XXXX XX/XX/XXXX, totals {$4400.00} - total in credits/refunds Difference {$6000.00} - charged in excess of normal monthly payments, less {$4400.00} - total credits/refunds BALANCE DUE BACK : {$1500.00} ( {$6000.00} - {$4400.00} ) SEE ATTACHED SPREADSHEET Your company issued a refund of roughly {$210.00}, which was not cashed. Unless otherwise expressed in simple math countering the above breakdown, the refund issued by your company is insufficient in comparison to charges placed. 

CREDITS MUST EQUAL DEBITS - XXXX  FOR XXXX
Product: Debt collection

I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.
Product: Debt collection

Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. 


********** details of issue **************** Wife scheduled a " XXXX XXXX '' exam and  attended the scheduled exam. 

Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX  mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. 

I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX  except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. 

My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts must be deleted. The reporting of these accounts are in violation of 15 USC 1681, and the FCRA 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( B ) any authorization or approval of a specific extensions of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under The Truth in Lending Act 15 USC 1602 ( g ), Credit Card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are used for the extension of credit. Furthermore, If Experian reinvestigate as they claim then why does XXXX and XXXX all show different account status, open dates, reported dates, payment dates and active dates? According to 15 USC 1681 e ( b ) -Compliance and Procedures ( B ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under FRCA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof ( a contract containing my wet signature ) You must delete the account. Experian has not provided me with any proof showing this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Money transfers

PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a XXXX in the family and keep Freedom Mortgage up to date with everything. They told me that they would remove these late payments but they haven't.
Product: Money transfer, virtual currency, or money service

I was on my honeymoon in XXXX. While in XXXX, I was not checking my bank account. Upon return, I begin going over the money spent while in XXXX. I notice that my balance in my account is much lower than I expected. Upon review, I noticed that there were 5 unauthorized XXXX transfers on my account. XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$500.00}, {$100.00}, & {$25.00}. Immediately after noticing these transactions, I reported them to the bank Sunday, XX/XX/XXXX. They were all sent to a XXXX XXXX at XXXX. I checked with family and friends, to see if anyone recognized the number or name. I also checked with my mom, who is an authorized user on my bank account, and she does not know anyone by that name, or anyone with that phone number. I reported these transactions twice to Capital One and they are refusing to refund. Every time I have made a XXXX transaction, I have gotten an email confirmation and a text message. When I send a XXXX to someone not saved in my contacts, or that I've never sent a XXXX to, XXXX sends me a one-time text verification. I did not receive anything. The email on the account is mine. My mother, the authorized user, did not receive an email or text. We did not receive any notice from the bank to give us time to stop them.
Product: Credit card or prepaid card

I received a letter dated X/X/2018 from JP Morgan Chase Bank regarding my XXXX reward credit card. I have been advised my account will be closed for I could " create possible reputational risk to them '' if they continue our relationship. They contacted me to open this account. I had a mortgage with Chase for more then 15 years, it was NEVER late. I do not owe any monies to any one or any business. My credit is perfect. I will also loose my points associated with this account if I do not use them by XXXX. I wrote demanding an answer as to why my account is being closed, I still have not heard from them. In looking on line other persons have written this has happened to them. Many have various felonies on them, I do not have ANY record, not even a traffic ticket. I do not use this card much at all, however I do demand a reason as to why they are closing this account. I also do not want to loose my points. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

I do not know LVNV Funding is nor have I ever done business with them or been lent anything by this company for me to owe such debt, nor do I agree with this debt on my credit report as I never signed any type of contract with such company. They have yet to provide me with the original contract as I requested. They can not give me any information to show that this is debt I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX ( formerly XXXX XXXX  ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )