23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed
Product: Credit reporting or other personal consumer reports

Request for 1099 Form Regarding Charge-Off Dear, XXXX XXXX I am writing to inquire about the status of the charge-off listed on my credit report with your institution. Despite the charge-off being reported, I have not received a Form 1099-C, " Cancellation of Debt, '' for the forgiven amount. 
As a responsible taxpayer, I want to ensure that I accurately report all income and fulfill my obligations to the Internal Revenue Service ( IRS ). Therefore, I kindly request that you provide me with a copy of the Form 1099-C for the referenced charge-off. 
Additionally, I would appreciate any relevant documentation or information regarding the charge-off, including the date it was reported, the amount forgiven, and any other pertinent details that may assist me in understanding its tax implications. 
Please send the requested documentation to the address listed below at your earliest convenience. If you have any questions or require further information, please do not hesitate to contact me. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I went in XXXX of 2015, to XXXX XXXX located at XXXX XXXX XXXX. XXXX, AL. XXXX due to some XXXX. XXXX XXXX XXXX suggested that I needed a procedure, so that they could determine what was going on. It was a non-invasive procedure. My mother and I met with the person who handles insurance at XXXX XXXX and she reassured us that XXXX XXXX XXXX XXXX would cover the charges for this procedure. She actually called the insurance company just to be one hundred percent certain. The only thing that we would have to pay would be the co-pay. The procedure was done at XXXX XXXX XXXX XXXX XXXX. by XXXX XXXX. 
However, soon after the procedure ; I received bill for approximately {$600.00}. I called XXXX XXXX XXXX XXXX and they said that the procedure was not covered under my insurance XXXX XXXX XXXX. It is now reporting with the debt collections agency Holloway Credit Solutions, XXXX. XXXX XXXX XXXX. # XXXX XXXX, AL. XXXX. 
I recently called XXXX XXXX XXXX XXXX and they stated that due to XXXX XXXX reporting me as ( XXXX ) which in medical terms mean that the patient has a lot of medical issues. I was XXXX XXXX XXXX at the time of the procedure, and had never had any other medical problems. He used the most expensive XXXX that 's only used for high risk patients based on the information given by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX also stated that they would have covered the charges if doctor XXXX would have not put me as a high risk patient. They also said that he either did it as a way to get more money, or the fact that I 'm XXXX XXXX which is ( racial bias ). 
They said that he he did n't have to put me fully under for this procedure due to me not having any previous medical conditions. That is the reason why I was left with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected..
Product: Checking or savings account

My debit card was charged XXXX times on XX/XX/2022. These XXXX charges were unauthorized by me and was used at a store very far from me. Bank of America issued credit initially. However, it notified me that credit will be reversed after two and a half months. The reason Bank of America gave me is that these charges were authorized by me. It is clear from my debit card use history, these charges were unauthorized. Bank of America is not taking responsibility.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX account of XXXX on my credit report and it is NOT my account. Pls remove it immediately. 

Pls also note there is another XXXX  XXXX account on my credit report and that one is mine. 

Pls make sure you remove the correct one.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was received by Experian on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Experian failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX/TOTAL CRD # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Experian processed by investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Experian is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Experian Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Experian Consumer Reporting agency.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXX XXXX  XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

XXXX Violations and Detected Inconsistencies XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

XXXX. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account. 

XXXX. Incomplete or XXXX XXXX XXXX XXXX ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy. 

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in blocking fraudulent accounts that have appeared on my credit report as a result of identity theft. I was unaware of this activity and do not know who is responsible. I have not received any services, goods, or money due to this theft.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across TransUnion, XXXX, and XXXX. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my Equifax credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed out disputes to transunion, XXXX and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XX/XX/XXXX was a generic letter telling me to contact the creditor from XXXX, transunion removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX with Westlake Financial. Later I sent 4 letters registered Mail requesting debt validation according to ( 15 USC 1693g ). ( Validation of debts ).

All four letters were shown delivered via the XXXX app with return receipts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, One letter was opened and returned to me with a return to sender sticker as if they didn't get and it was opened form the bottom and taped when returned to me. Westlake failed to willfully comply ( 15 USC 1681n ). ( Civil liability willful noncompliance ). ( 18 USC 1341 ). ( Elements of mail fraud ). this is also in relation to ( 15 USC1692f ( 6 ) ( a ). ( unfair practices ). to include ( 15 USC 1692k ) ( 1 ). ( Civil Liability ). Westlake Financial violated my right to privacy by giving my personal information to multiple third parties i.e repo agencies and credit reporting agencies without my permission ( 15 USC 6802 ). ( Obligations with respect to the disclosure of personal information ). 
I've tried to deal with them amicably. All I got from them was You owe and no resolution, unless payment is made then we can talk. This company has and is using deceptive practices and violating the rights of consumers.
Product: Mortgage

Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; 2 ) The Lender-live and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XX/XX/XXXX with XXXX XXXX XXXX with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to Lender Live in XX/XX/XXXX and I kept my payment through it with an amount of XXXX ; On the XX/XX/XXXX, I got letter from Lender Live that they will not accept my payment by XX/XX/XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XX/XX/XXXX I enrolled and I could n't pay my XX/XX/XXXX payment, XXXX customer said my information on their system since XX/XX/XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XX/XX/XXXX, I got the letter from Lender Live that start from XX/XX/XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called XXXX XXXX XXXX, Lender Live and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and Lender Live said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this XXXX is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX-XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than XXXX minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XX/XX/XXXX and I have enough time. I told her NO because I spend more than 20 days to get XX/XX/XXXX mortgage paid and I do n't want to miss the XX/XX/XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and XXXX XXXX XXXX the acct was open XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with TD BANK USA/XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX TD BANK USA/XXXX XXXX   and with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Checking or savings account

Since XXXX through XXXX, there was fraud on my bank business and personal bank accounts. I had checking accounts, saving, credit cards and a couple other accounts. The fraud took thousands of dollars from my accounts. Which I reported, because I did not recognize transaction and or withdrals. I did not authorize any of the fraudulent transaction. Bank however offered to help me in the beginning but eventually decided it was me and I couldnt do anything about it. I was forced to pay off thousands of dollars.I asked to copies of statements and other forms of all my accounts, including previously closed accounts due to fraud. However, I never received anything. eventually wells fargo representatives ignored me and or claimed all of the transactions were done by me. I asked for proof but was denied. Wells Fargo claimed I was responsible for every and all transactions on all of my accounts, Including {$800.00} cash back transactions at an out of state XXXX. I argued that when you request cash back, there is never an option or possibility of more than {$200.00}. Atms only allow you to withdral about $ XXXX {$600.00} per transactions. There were also withdrals made at a branch every other day, which I never withdral cash. It was a business checking account used for my business expences ( pay bills, vendors and other business needs ... not to use as a personal account where one usually makes deposits and withdrals ). The individuals involved in the fraud had access to my accounts online. They would pay off credit cards using any and all of my other accounts and max credit card out with in a couple of days, and pay it off again.
Product: Vehicle loan or lease

I sought to purchase a vehicle due to my previous vehicle being wrecked. In doing so I opted to use the same dealer that I used prior. I searched XXXX inventory and found a car that I liked. At the time I was not prepared to purchase due to a lack of finance.During this time I was enlightened as to the laws of Truth and Lending and began discussion with the agent of XXXX. I was under the impression that as the contact made reference to Truth and lending that I would be able to forego a down payment.XXXX made reference to account validation and I knew that I had no funds to give a down payment.I was overjoyed when I was approved even though I had no money in my account. We sealed the offer and I began to deal with financing. The vehicle was delivered to my home and days later I began to receive calls about a Down payment. I attempted to communicate with XXXX about this matter to no avail. I contacted Bridgecrest Credit because my first payment was almost due. Upon talking to Bridgecrest I was told that XXXX placed a repossession order in effect for a {$2400.00} down payment. This tactic forced me to borrow {$2400.00} to keep the vehicle due to necessity. Consequently I am behind due to my repayment of the money that I borrowed and now Bridgecrest is continually threatening me with repossession for my late payments. I should not have to quote law because I know that businessmen know these laws before they underhandedly sell their cars.I want the {$2400.00} repaid to me or placed in honor of my obligatory payments for this vehicle.Thanks in advance for your assistance. I have no problem paying my payments, yet this act placed me behind not only on car payments but my personal bills as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX