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

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report.Please see the dates/ amounts listed below I am demanding be removed from my credit report immediately Action Revenue Recover XX/XX/XXXX in the amount of {$130.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$390.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX  ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) The issues with this account are as follows : 1. **No Contract with XXXX : ** I have no contractual relationship with XXXX. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with XXXX invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX VALON mortgage paid {$5100.00} to XXXX XXXX tax to the wrong account. They paid parcel unit XXXX, my unit is XXXX out of my escrow account. 
On XX/XX/XXXX VALON paid {$5100.00} to XXXX XXXX tax again out of my escrow account to my unit XXXX. This caused a negative escrow balance of {$4900.00}. They transferred my loan to fifth third bank on XX/XX/XXXX with the negative escrow balance. 
I am selling my house and close on XX/XX/XXXX. The payoff statement from fifth third includes payoff if the negative escrow account. 
XXXX XXXX said they are refunding VALON the erroneous payment.

VALON informed me that they will not reimburse me for the duplicate tax payment deducted from my escrow account. They have now said that I have to get the money from fifth third who were not the ones that paid the taxes to the wrong account and who will not receiving the refund check. I have also been told by VALON that they do not service my account any longer and do not hold any records of my account once loan has been transferred. I am now left with no help and out {$5100.00}. 
Please help me to get my money back for an error that the bank made. I am left with no help and no answers.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I have been charged a {$5.00} service fee since 2021 each month when I was never told about this!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account and address. 
Address not mine XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Accounts not mine XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Account number XXXX XXXX,
Product: Credit card or prepaid card

After, receiving an invitation from DISCOVER to apply for secured credit card account. On XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal secured credit account on DISCOVER. I filled out the form online, and provided every document required. I was immediately approved for a new secured credit card. Throughout the year I enjoyed using my discover credit card, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My discover credit card, and also information was stolen and used for multiple fraudulent charges. DISCOVER was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of DISCOVER mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my XXXX XXXX. I was uncomfortable with continue business with discover. I beg and plead with DISCOVER to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from DISCOVER pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by DISCOVER. As I took the representative advice once again my account was hacked, and DISCOVER failed to protect me as a consumer. Discover finally agreed to close the secured credit card with a {$0.00} dollar balance. Discover also agreed to issue out the original deposit of {$400.00} dollars used when account was opened. On XX/XX/XXXX I received an email stating I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Discover is running my credit reputation by reporting a balance of {$580.00} dollars in which, is not owed. Discover did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Product: Money transfer, virtual currency, or money service

I have a venmo account, I was reviewing my transaction history and I misread some transaction and so I submitted a dispute, right when I had submitted it I realized I had misread the date and then I get a notification from venmo saying they locked my account, I told them the mistake and have proven my identity to them but they still have my account and my money locked and they will not release my money or let me close my account, I need this money and they are telling me I need to wait seven business days and this is just plainly unacceptable
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been requesting my credit reports from both XXXX and Transunion for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. XXXX and Transunion both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called XXXX and Transunion I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerts keep popping up on my XXXX transunion and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..
Product: Debt collection

I was billed over {$10000.00} by a hospital. All of that was paid by my insurance except for a {$75.00} co-pay. I told the staff that I could not afford the {$75.00} co-pay. They gave me " financial assistance '' forms to complete while I waited to see a doctor. I turned them in. They claim they lost them. Regardless, the debt collector has been charging me {$80.00} consistently. They never even sent me correspondence to dispute it. Although I have called and written them via their website disputing it. I also had my ( now prior ) insurance company call the hospital in an attempt to resolve. They refuse to absolve the amount claimed or seek the proper amount, pursuant to FDCPA and FCRA. They have harmed my credit on all three bureaus instead of complying with my requests and the law. Please make them pay and remove it. Thank you.
Product: Credit card or prepaid card

I paid off my credit card a day late and was charged a late fee. I called the Comenity and they said that they would wave the late fee. They made a mistake and did not waive the late fee. I thought the card was paid and closed. Then, I opened a bill and saw that they had charged me {$40.00} in late fees because they failed to waive the late fee that they assured me they waived. I called and spent hours on the phone trying to resolve this. Even though this was their mistake, they said that they could only waive XXXX of the late fees on this account that was paid off. I just wanted to end, so I agreed to pay the late fees except for the one that they agreed to waive. They agreed to waive the XXXX late fee again and she charged me for the rest. Again I thought that the account was paid off, but when I looked on the next bill, it still had that original late fee. I called again and they said it was because she accidentally charged me too much and it left less than a {$10.00} balance so it could not be waived. I again resolved this and had a XXXX balance just to end things. Then, I opened my next bill and it said that I had a XXXX balance, but now they have added " a late fee correction '' and charged me {$10.00} again even though I had a XXXX balance. I called and asked why in the world was I charged a late fee correction '' on a XXXX balance account that was all paid off and closed? They had no answer, but eventually after she talked to a supervisor, they said that they waived the {$10.00} - I have this on an audio recording and I have a reference number. Every day I have checked my balance and it still shows the {$10.00}, however. They assured me several times that this will go off my account and I will not be charged anything further. But, today when the {$10.00} is due, I called and it is still on my balance so I spoke with customer service and she said that it is impossible to ever get rid of this " late fee correction '' because my account is closed. So, even though XXXX people at Comenity on recordings assured me that this fake " late fee correction '' was removed- it is still there and they will be charging me a late fee on this late fee on an account that everything ( including late fees ) was entirely paid off and closed. So far, I have paid {$41.00} in late fees on an account that was paid off. I have been on the phone for hours about this. They say that they can not get a hold of a supervisor and then they just " accidentally '' disconnect me. I am now going to pay this fake " Late fee Correction '' fee amount on a XXXX balance and closed account, but I have found that they just keep on making up fees and charging me. The {$10.00} was due today and now I'm worried that even though I am going to pay it, it is after XXXX - so they will charge me a late fee on this late fee. It is obvious that Comenity is a scam. My most recent reference number for Comenity on this was XXXX. I have an audio recording where they said that they took the late fee correction off and assured me that I will have a XXXX balance.
Product: Mortgage

I made a regular mortgage payment on XX/XX/XXXX in the morning. 

We decided to pay this mortgage off as the bank makes posting errors about interest and principal. And the bank gives us different information every time we talk to them, ie get one receipt for interest, one receipt for principal ; another person says no that is not right it has to be redone. All payments have been made on site as the bank can't seem to record anything correctly and has a different rule each time we talk with a rept- however we are never allowed to talk to a mortgage rept as that is a separate department and they don't take calls. 

We paid off the mortgage on XX/XX/XXXX in the afternoon. 

Other than the receipt we received for both transactions listed above, we have not received a pay off statement, or any documentation that the property has been released by the mortgage department of the bank. We did receive a 1099 which lists a balance on the mortgage. We don't have a balance. 

My husband talked to the Bank manager who referred us to the mortgage depart. 

I called the mortgage department, they did not respond. 

I've sent a total of 6 letters, no response. 

I would like a list of every payment made for 2021 and the applied interest for my account to verify. 

I want documentation of pay off of the mortgage. 

I want the property 'released ' per county records. 

It's been almost 3 months, this is an unaccepable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$16000.00}, {$14000.00}, {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.