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

Subject : Charge-Off Dispute and Correction Request Under UCC 9-210 I am writing to formally dispute a charge-off entry on my credit report. 
Under UCC 9-210 of the Pennsylvania Uniform Commercial Code, I have the right to request a detailed account of the charge-off and its related transactions. I am disputing the accuracy and validity of this charge-off. I request that you provide proof of the debt and the charge-off details, as outlined under UCC 9-210 , which mandates a creditor to provide an accounting of the debt. I request for action Verification, Correction, & Removal. Please provide me with written confirmation of your receipt of this request and notify me of the outcome of your investigation within the timeframe required by law. Enclosed are copies of my credit report highlighting the charge-off entry in question, as well as any other supporting documents for your review.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit card

On XX/XX/year>, I placed an order with Target, which included an XXXX XXXX XXXX XXXX Controller and a lint roller. The order was delivered on XX/XX/year>, but only the lint roller was included in the packagethe controller was missing. I contacted Target customer service on XX/XX/year>, to request a refund for the missing item. However, they refused to issue a refund, stating that the order was marked as delivered, despite my explanation that I never received the controller. Additionally, Target has declined to remove the charge from my Target store card, leaving me to pay for an item I did not receive. I am filing this complaint to seek resolution and a proper refund for the undelivered product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau has my credit score way off. 
I have a auto loan through XXXX XXXX which I pay monthly and it is not listed on my Transunion report.
Product: Money transfer, virtual currency, or money service

I received a 1099-K with XXXX XXXX , Inc. https : //cash.app/contact. The 1099-K says I received 119 payments in XX/XX/year> totaling {$2100.00}. I have a CashApp account, but Ive never received any payments on it. I cant think of anything Ive done or received that relates to this piece of paper. 

I contacted CashApp via the support function in the app, by email, and by telephone. Although the individual people I talked to were nice, they were not able to do anything helpful. CashApp support said I should talk to someone with CashApp Taxes. CashApp Taxes said I should talk to regular CashApp. People on the app sent me links that didnt work. People on the phone offered to send me an email link. People on email gave me the same phone number to call. 

I do not have a CashApp Taxes account. This 1099 form is a mistake or a scam, but XXXX cant get any information to help me figure out what to do.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I further discovered that the GM Financial inquiry is related to a corporate business account not a personal consumer account and which was not unauthorized by my personal authority.
Product: Debt or credit management

In XXXX, I had an XXXX XXXX and due to massive XXXX I went to an ER. I had XXXX California at the time and did a basic ER visit because I was in XXXXXXXX XXXX  for XXXX. They checked my vitals, gave me a bucket to rinse my feet and prescribed me medicine. I did not get the medicine via them and instead took the basic information and went through XXXX. 

About a month later they sent me an ER bill for {$930.00}, an outrageous sum for a less than XXXX visit. They had no online services, refused to take in my info over the phone to contact XXXX. I ended up Faxing my information over. I heard nothing from them. I eventually switched to BlueShield via my employer 's health insurance, I even faxed that info over and no information was heard from XXXX XXXX XXXX. 

In XXXX of XXXX I became unemployed due to no fault of my own, living off XXXX XXXX insurance, and suddenly these people are demanding this " debt '' to be paid off. I had to dispute them off my collections via XXXX and now they somehow have acquired my new email address and are sending me letters via XXXX. I thought I successfully disputed that this item no longer belongs to me and is inaccurate to the services performed. I just had to go to XXXX XXXX XXXX for an ER visit, I was there for over XXXX hours and that bill is less than {$500.00}. 

I hate how they are bothering me. I played by their rules and they never contacted my insurance and my insurance always indicated that it shouldn't be an issue and because they weren't reaching out, their debt was inaccurate. I am currently acquiring health insurance via XXXX ( it would be an XXXX XXXX XXXX account in XXXX ) and I have no idea if even that coverage would assist me. They have ignored prior phone and fax information and have specifically told me they can never correspond over email. It's all extremely strange to me. 

I want them to stop bothering me, I have been unemployed since XX/XX/XXXX and don't have the means to acquire {$940.00} without going into massive debt on my credit card that I haven't already overspend in this unemployment period. I don't know what to do and I want these people to leave me alone. 

Their information : Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Patient XXXX : {$930.00} Location : XXXX XXXX XXXX Current XXXX XXXX CASCADE CAPITAL FUNDING , LLC Current Creditor Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report.Please re move this account from report it is hurting my ability to obtain credit
Product: Credit card or prepaid card

Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.
Product: Credit card or prepaid card

I opened a credit card through Zales several years ago. The card is managed by Comenity and I attempted several times to have the account closed out after paying off the full balance. I have been told twice now from the customer support for them that all my balance is paid off and that the account is closed. I have been notified for a third time that I have missed payments due to account interest. I have spoken with the customer support for a third time and they are still trying to get me to pay interest charges before the account can be considered in good standing. I have alread paid off the full balance twice for this reason and despite being given assurances that the account is completely closed out and no further interest charges will be added, they continue to do so. 

On XX/XX/XXXX I paid the remaining balance of {$3900.00} to set the total balance to {$0.00} and spoke with a customer representative to ensure the account was closed and I wouldn't receive additional interest charges. I received a call 2 months later claiming I had a balance of {$150.00} due to missed payments and interest. I then paid that balance and was told that everything was in good standing and the account was considered closed. 

2 months later I get another email claiming I have two interest charges for {$2.00} each and a late payment charge for {$2.00}. I tried speaking with customer service again and they refuse to allow me to speak with a supervisor and refuse to have a supervisor call back and want me to call back later.
Product: Credit reporting or other personal consumer reports

I contacted Experian via phone and US mail to tell them about an account on my credit report that did not belong to me. I was told by XXXX that my confidential information was leaked during their data breach and that account was a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that account is not mine because i did not recieve any goods or services from that creditor and the creation of that account was not authorized by me. This inaccurate account is detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!!

I beg you to please remove this inaccurate account!
Product: Mortgage

you carry this mortgage now send a copy of the recording of this Mortgage with XXXX XXXX Records and send a copy of the Note with allonge
Product: Debt collection

On XX/XX/2022, a request was sent to the company to validate the amounts of {$72.00}, {$560.00}, {$1100.00}. No response received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX You ae in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX. Acct : ending in XXXX, XXXX XXXX. Acct : ending in XXXX, XXXXXXXXXXXX XXXX XXXX, Acct : ending inXXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Debt collection

I noticed a collection account on my credit report several weeks ago. The original creditor was XXXX College, They sent a file to Ability Recovery Services. I contacted XXXX College and they stated the balance was zero and it was supposed to removed from my credit. It is still there. I call XXXX, and they say that I owe nothing. I call Ability Recovery and they claim I owe money. There is no communication between these two. I am getting frustrated. I am in the middle of buying a house and this could not have come at a worse time. I guess my next option is the court system,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$930.00} IC XXXX  XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$930.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$9900.00} I HAVE DISPUTED THESE BEFORE AND THEY REMAINED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified late payments that they deem to be incorrectly reporting XXXX and Transunion had a open dispute They stayed XXXX reported the payments back on my account
Product: Checking or savings account

I have been a customer of PayPal for many years, I recently started using their bill pay feature that they offer to pay some credit cards and for some reason they decided to shut me down claiming I am against their policy or something like that. I was just using their features that the advertise and nothing more. I would like my account reopened. Thank you so much!
Product: Credit reporting or other personal consumer reports

I DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$690.00}
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, XXXX XXXX XXXX XXXX received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain After previous complaints, this company still did not provide the documentation to validate the debt and still sent me a letter to collections I would like the company to stop harassing me and delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INCLUDING NOW A FOURTH LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. Experian continues to refuse to delete the XXXX account. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX NY XXXX XXXX.
Product: Debt collection

I sent a letter of validation and the company has not responded. They claim they are collecting on behalf of the federal government but have not send me any documentation they are authorized to collect on this XXXX XXXX. The account number they provided is not the same as my XXXX XXXX. They recently sent me an " offer in compromise letter asking me to list all my bank accounts and financial assets. The " Consumer debtor financial '' document This document is very similar to XXXX Form 770 but it is not an official government. It is very misleading an implies that I am dealing with the US government but instead a private debt collector. I am not going to send sensitive financial information to a company that has not shown me they have any written authority over my account
Product: Checking or savings account

My info was compromised through Premera data breach years ago. I was identity theft 'd a few times, and have put freezes on all three bureaus. 

Bank of America allows anyone with my info to open new accounts using my information. This keeps happening with BoA. It has occurred twice in month of XXXX, two weeks apart. 

I call into fraud department each time, which takes 2-3 hours each time. I have asked them to block any account using my Social Security from being opened using my information, they indicate they are unable to put such a restriction on, and its my responsibility. They said if my info is in the wild, it can be used to open an account with them, and i should put freezes on with the bureaus, specifically XXXX. I already have a freeze on with XXXX, they are not respecting the freeze. 

This does not happen with any other organization ( XXXX, XXXX, XXXX ), just Bank of America They offer no mechanism to allow a consumer to not have an account opened in their name. They dont have a way to quickly say " this is fraud '' in their " Welcome to Bank of America XXXX your account has been approved and opened! '' email. You are forced have to call in EACH TIME. They dont respect credit freezes put on at XXXX XXXX 

I've asked for escalation to a duty manager from their fraud department, and was denied. I've sent emails to their security team. I've sent emails to their head of customer relations. I have not received any responses. 

I can provide documentation of all these statements if needed.
Product: Credit reporting or other personal consumer reports

Please have this removed from my consumer report. ( Experian, XXXX, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries