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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Repeated Charge-Off Reporting XXXX Dear Capital One, I hope this letter finds you well. I am writing to dispute the repeated reporting of my account as a charge-off. The account number in question is XXXX, and I noticed that the charge-off status continues to be reported multiple times on my credit report for the same account. 

To clarify, a charge-off is a one-time accounting event that occurs when an account is deemed uncollectible after a period of non-payment. According to credit reporting regulations, once an account is charged off, it should only be reported once as a charge-off. However, it appears that your company has continued to report this charge-off status on a monthly basis, which I believe is an error.

I respectfully request the following : 1. Clarification of why the charge-off status is being updated monthly on my credit report.

2. Correction of any inaccuracies in reporting, ensuring that the charge-off is reflected only once.

3. Verification of the charge-off and any subsequent reporting to the credit bureaus, to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

If the charge-off is related to a transferred or sold account, I would also appreciate clarification regarding the status of any collection efforts, and whether any updates to the account should be reported differently.

Please provide me with a written response, including any documentation or clarification that supports your reporting practices. If this reporting issue can not be resolved, I may need to file a formal dispute with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

I am the victim of identity fraud. This happened in XXXX. I contacted CapitalOne to advise them because the fraudster has taken over my online profile and my credit cards. I have to call them almost everyday to report daily fraud. Tje fraudster has access to my SS number, all three credit reports and a copy of a non valid driver 's license. There have been countless fraud request filed to have my online profile DEACTIVATED not suspended as the fraud person can unsuspend because they have the information to answer the questions for verification, EVEN AFTER I HAVE PROVIDED THE UPDATED ID. I am simply asking for assistance to locate my information that has been sent several times, and DEACTIVATE my online profile. May I also add they provided a 10 day SLA and I haven't heard from them proactively since XX/XX/XXXX. Please help me. 

Initial call was XX/XX/XXXX Provide new documentation XX/XX/XXXX and several times after Provided most recently XXXX XXXX Capital one Platinum card closed XX/XX/23 Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed no reason XXXX XXXX XXXX - XXXX XXXXXXXX Second claim- account reopen XXXX XXXX Case XXXX Rewards Account XXXX XXXX XXXX XXXX Contacted online via XXXX, no resolution XXXX XXXX XXXX Called and advised case from XXXX XXXX was still under review No current updates Associate hung up on me when asked to speak with a supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX account closed Account closed by fraudster XXXX XXXX XXXX- CapitalOne Added balance transfer option XXXX at XXXX XXXX Account opened No -ETA on XXXX Call XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and incorrect information that XXXX XXXX XXXX also known as XXXX XXXX has furnished to consumer reporting agencies regarding my account. Your reporting of this account has caused severe harm to my reputation, financial standing, and overall ability to obtain credit for personal and household purposes. As such, you are in direct violation of federal law. 
Legal Violations Regarding Inaccurate Reporting Under 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies, you are prohibited from reporting inaccurate information. Specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : 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. 
By continuing to report this account inaccurately, you are knowingly violating the law and are subject to enforcement actions. 
IRS XXXXlassification of Charge-Offs and Its Impact on Credit Reporting The IRS explicitly classifies a charge-off as canceled debt, which is considered gross income for the borrower. According to IRS Publication 4681 : " A canceled debt must be reported as gross income, and the creditor is required to issue a Form 1099-C for any canceled debt over {$600.00}. '' Since a charge-off is legally classified as income, it is inaccurate and unlawful to continue reporting this account as an outstanding liability or unpaid debt on my credit report. This misclassification of a charge-off as a still-due debt constitutes false and misleading reporting, and as such, the account must be removed from my credit file immediately. 
Unlawful Double Compensation and Potential Fraud Furthermore, your institution has likely collected : Insurance payouts built into the finance charge, which protect lenders against borrower default ( per the Truth in Lending Act, 15 U.S.C. 1605 ( a ) ).

Tax deductions from the IRS for the charged-off amount, as charge-offs are written off as losses.

Payment from third-party debt buyers, who likely purchased the account for collection. 
If XXXX XXXX XXXX has received multiple forms of compensation ( insurance payout, tax benefits, and debt sale proceeds ) while continuing to report this account negatively on my credit report, this may constitute insurance fraud, tax fraud, and unfair debt collection practicesall of which will be included in my formal complaints.
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 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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

I've disputed an account on my report and the account was removed i seen this via XXXX XXXX. The account was removed from 'TRANSUNION XXXX XX/XX/2020. When i called them they started to act like they didn't know what i was talking. I've had got in contact with a manager there. The lady then proceed to tell me that she was able to see that the account was removed and then replaced back after that. The lady also stated that the company didn't respond in time so the account was removed for that reason.
Product: Payday loan, title loan, personal loan, or advance loan

I made on-time payments to XXXX XXXX XXXX XXXX checking account information as I have done for many years. Evidently there was some kind of error in their portal because even though my payments were made on time, they are stating there was a payment error. 
XXXX XXXX reported the payments as XX/XX/60 days late on my credit report even though I scheduled the payment to take place on time. XXXX XXXX has also restricted my payments to debit cards only. I don't have a debit card. If XXXX XXXX wants to be paid, they must reinstate payment from a checking account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Especially Cash app failed to take timely and effective measures to prevent and address on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

After 45 days and over 15 phone calls talking to almost 20 people at US Bank Mortgage I am no closer to getting resolution to an issue that US Bank has said multiple times is an issue that they caused. US Bank has not followed up as they have stated they would multiple times and has lied and misled me. 

US Bank for no explained reason incorrectly updated my tax bill requirements causing me to have a significant Escrow shortage. US Bank incorrectly marked that my country sanitation tax was over {$4000.00} dollars when in fact it is only {$34.00} dollars annually. They also made adjustments to the amount of tax owed to both the county and city for 2023 even though 2023 tax bills HAVE NOT even been issued by XXXX XXXX. 

In my many conversations, almost every agent has said that this was clearly an error by US Bank but could not give an answer on how it happened or a commitment to fix the issue. Everyone said they would follow up and resolve the issue. The sanitation tax issue was finally resolved after multiple escalations and a " manager '' simply moving the amount back to {$34.00}. The issue with the other tax amounts being updated still has not been resolved. 

Multiple agents and representatives told me to NOT make the payment starting in XXXX that was almost {$800.00} more a month due to this error. They said it would be best to have the issue be resolved and to not worry about any late payments or credit reporting as the account was in a certain status that it would not happen. Well no surprise I got a late fee. I was worried about the account showing more than XXXX days past due as no one was following up and the resolution date kept getting moved so I sent through my bank the payment amount that we have always made. I also did the same for the XXXX payment. 

The account is still showing a late fee, the tax issues have not been resolved, and the escrow is still wrong given the errors. 

The way I have been treated, lied to, ignored, and not followed up with is criminal and I believe a violation of the UDAAP. 

Even today I got transferred around several times and told that the late fee is my issue and I should have paid even though they have on recording that I was told not to.
Product: Checking or savings account

Online money transfer request made with Ally Bank to remove {$48000.00} from XXXX XXXXXXXX XXXX XXXX account into my new Ally Bank Savings account. The withdrawal took place on XX/XX/2023 and per the email received by Ally, the transfer was complete on XX/XX/2023 Another email was sent by Ally the same day advising that the transfer did not complete and we were to reach out to the " other financial institution '' to request the funds be returned and this action would re-deposit the funds back into the original account. 

After contacting XXXX XXXX XXXXXXXX to request the funds be returned, they advised that they could not complete this process and then advised me to have Ally " reject '' the funds so the funds could be returned back to them. Reached back out to Ally and I was told by them that XXXX XXXX XXXXXXXX needs to " dispute '' the transfer. Called XXXX XXXX XXXXXXXX again to let them know that Ally is saying that they need to " dispute '' the transfer, XXXX XXXX XXXXXXXX said once again that this will not return the funds back to them and that Ally needs to reject the funds It seems neither of these banks are willing to help and I'm supposed to be okay with {$48000.00} just hanging out there in limbo and not being returned to me
Product: Money transfer, virtual currency, or money service

coinbase.com support department is non-existent. Tickets go unanswered. I opened a ticket on XXXX 05, 2017 XXXX PDT ( case XXXX ) which has yet to receive a response. I am locked out of my account and am unable to access funds within the account or even verify that the funds are still there. I have emailed support multiple times, attempted to verify with several different legal forms of identification via the coinbase.com site automated verification process to no avail. Their customer service is very lacking and I would urge individuals to chose to do business with other reputable companies.
Product: Mortgage

I refinanced my mortgage with Freedom Mortgage in XX/XX/XXXX. The closing process with Freedom Mortgage was problematic from beginning to end, as the company seemed unable to follow simple instructions. In the spring to XXXX, I received a notification from Freedom Mortgage that my escrow account was significantly underfunded in the area of {$1600.00} and my monthly payment was increasing by {$400.00}. I made repeated phone calls to the Freedom Mortgage and was told various answers each time : 1 ) my home owners insurance increased, 2 ) my real estate taxes increased or 3 ) there was a problem with my closing documents. After following up on their responses, all of Freedom Mortgages answers were incorrect. I also requested and received an Escrow Account Disclosure Statement from Freedom Mortgage which contained several errors and was difficult to  understand. I called Freedom Mortgage about the errors in the statement and was told there was nothing they could do. 

On my own accord, I initiated a review of my closing documents, there I identified an error in Freedom Mortgages Initial Escrow Account Disclosure Statement and noticed my real estate taxes were under-reported by 50 %. Meaning the initial monthly payment presented to me by the mortgage broker was grossly inaccurate and the total monthly cost of the loan was significantly higher than what Freedom Mortgage represented to me. If I had known the true monthly payment, I would have not proceeded with the refinance process. The loan was misrepresented to me. At this point, I have lost all faith in Freedom Mortgage to handle my loan as they have missed handled and misrepresented information at every stage of the loan process and are grossly incompetent. At this point, I would like to take regulatory and legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file XXXX  XXXX bankruptcy in XXXX  since then Experian is reporting 13 accounts with late payments ( stating they are negative ). None of my accounts were paid late from the very opening they all show exceptional payment history.If false information was furnished from a company then they need to be investigated for fraud. 
According to the fair credit reporting act which is law there is no such thing as Potentially Negative ( with a red N under a month ) either the data was reported correctly or not. It can not be both exceptional payment history and potentially negative. I was not aware of the Federal Law allowing Experian Credit Services to rewrite the law.
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report. The account names and dates of the unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, XXXX XXXX negotiated with Citibank - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Product: Money transfer, virtual currency, or money service

XXXX : Navy Federal Credit Union . I am expecting a large deposit in a specific account and I can see on my app and online the accounts were already opened. Im supposed to give permission to set them up. I am worried this hacker scam artist whatever he is set it up to get the money before I can.
Product: Credit card or prepaid card

We purchased American Express Gift cards close to {$60000.00} worth as gifts. We learned from some of the recipients that Gift cards had zero balances when they went to use them for the first time. We went through the ones we had left and Yes, they were correct they all had ZERO balances, used all over mostly in XXXX, Arizona, Washington XXXX. 
These were all sealed Gift Cards opened for the first time with Fraud activities on them. 
We have been trying to contact AMEX between the Gift card company and AMEX cards we have been getting the run around for over a year now. We contacted XXXX  and they could not get a resolution saying they are hard to communicate with. They said we sent you a letter stating we found fraud on cards and we sent you a refund check. Completely not true since we never received any refunds from them. I had gone on AMEX gift card review page online and could not believe what I was reading that this is happening to everyone. How they are getting away with this FRAUD blows our mind. This is a huge amount of money and something needs to be done please.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX for {$180.00}. Current denied my dispute even though I provided ample proof that XXXX refunded the charge on XX/XX/XXXX. The charge was refunded and XXXX provided the refund receipt number. Current is fraudulent and stole my money.
Product: Debt collection

XXXX XXXX XXXX I did a consumer credit transaction with Capital One Bank. The total amount of the transaction was for {$2000.00}. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Capital One, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after capital one receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the usps on XXXX and was picked up by someone from the company on XX/XX/XXXX at XXXX from the post office. The documents requested that Capital One respond back to me within 30 days of receipt of the documents and they failed to do so. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent dispute on XXXX XXXX.i have not got the results. my report have a lot of inaccurate. can someone please look at it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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
Product: Debt collection

Below is the information that I am requesting to be deleted off my credit report, this collection does not belong to me and I have not received proof or validation of this debt. Please remove from credit report. 


Date Reported : XX/XX/XXXX Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$50.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian informed CFPB that the entry I am disputing is not on my credit file. It's as if they removed it, yet my on file dispute with them that I downloaded today, XX/XX/2019, states otherwise. It states XXXX XXXX claim is valid when it is not. They may have removed my collections however, my score never improved, and the dispute was never updated to show XXXX XXXX collection account was removed from my credit file. I have an exceptional payment history with the exception of one late payment due to my banks mistake that took over 2months to fix. Yet my credit score is below 600 and I've been paying on time since my accounts were opened over two years ago. There's no reason my score should be that low.

One day, I am going to prove, Experian & XXXX XXXX score not just according to the standards set by law, but by Ethnicity as well. They're scoring is harsh on others while extremely lenient on another.
Product: Credit reporting or other personal consumer reports

This started a couple years ago. I had 2 " bills '' which appeared on my credit report sent to collections companies. I was using XXXX XXXX and filed disputes and got denied several times. Every time I was denied I submitted a dispute again. Never once did I get a call or email or anything from the credit reporting companies. I was only told that they found the information to be true. Now this was after my passport and birth certificate were stolen and my info ended up involved in several data breaches. Next I get a call from XXXX XXXX and was told someone was trying to file a tax return in my name and social. At this point I called the cops, made a report and was told to let the credit companies know I had identity theft. Still received no help with this so here I am still disputing these collections and now more charge acct show up on my report. I am currently trying to get an apartment and this is holding me back. I can't even get a small loan to just pay these off because it is crazy. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX XXXX XXXX credit card from my credit reports, XXXX XXXX XXXX XXXX has committed fraud by having someone else open up accounts in my name I went to report it, they didnt do anything about it, so I want this credit card removed, I have filed a ftc identity theft report and my information has been used to open accounts in my name with out my permission but XXXX XXXX XXXX XXXX has poor security, I want this off my credit report, XXXX has had a data breach and my information has been exposed on the web XXXX XXXX XXXX XXXX did not take this serious