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

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across XXXX, Experian, and XXXX, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed three times.

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile.

I respectfully request that you : 1. Investigate the reported inaccuracies in the child support account.

2. Remove the inaccurate entry from my credit report.

3. Provide written confirmation once the deletion has been completed.

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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: Credit reporting, credit repair services, or other personal consumer reports

Today I found out that equifax experienced a breach and personal credit information has been divulged for many Americans. I checked via their website to see if my information had been affect and it gave me a notification that my personal information may have been breeched. Equifax knew about this hack for about a month and did nothing to notify me and I had to found out via the news that my personal information may have been accessed. This is incredibly negligible on their part and requires me to put a fraud alert and a potential freeze on my credit accounts and I will need to file taxes early as well. I was given a one month late start to check my credit and my accounts to see if there was any evidence of fraudulent activity, had I not seen the link a friend sent me I would have most certainly missed this as I was asleep from night shift and I 'm not aware that equifax would have contacted me.
Product: Debt collection

On XX/XX/2019 an account was added to my credit report by Amerifinancial Solutions in the amount of {$37.00} from 5 yrs prior. I didn't receive notice of right to dispute and have no knowledge of the account.
Product: Credit card or prepaid card

I have had a credit card with XXXX for several years. I charge several XXXX dollars monthly and pay on time and in full for each billing statement. I am rewarded points and use them at their stores. On XX/XX/XXXX, {$200.00} worth of points were redeemed, NOT by me. When I called XXXX, they told me to call the credit card company, XXXX, who told me to call XXXX. XXXX told me that my account, which I have been using for several years, did not exist and was not in their system. The email address XXXX was used on the store website. The email XXXX was used on the credit card site. I spent approximately XXXX hours on the phone with XXXX to get my points back. Person after person says the same thing, they don't see my account and, therefore, can not retrieve my points. I have been hung up on twice, laughed at, and ignored. XXXX has lost my points, or they have been stolen. I want them back, and I want to make sure any future points that XXXX reward me go to my account. I would also like an apology and compensation from XXXX for how poorly I have been treated. My time is valuable to me ; they have wasted several hours with their error.
Product: Mortgage

ON XXXX XXXX 2015, A VERIFIED NOTICE TENDER OF PAYMENT & LAWFUL TENDER OF PAYMENT WAS ISSUED TO M & T BANK IN RESPONSE TO REQUEST FOR PAYOFF OF MORTGAGE OBLIGATION, ALONG WITH TENDER OF PAYMENT FOR SAID OBLIGATION. ( SEE ATTACHED ) XXXX XXXX, XXXX, NY XXXX # XXXX. 
ON XXXX XXXX M & T, ( ATTACHED ) NOTICED ME THAT THERE WAS AN OUTSTANDING BALANCE, DESPITE RECEIVNG AND ACCEPTING MY TENDER OF PAYMENT pursuant to Law
Product: Mortgage

Shell Point Mortgage took over my mortgage in XX/2016. We got notice of the fact. Two months ago we got a letter saying whats past due. We have NEVER GOTTEN A MONTHLY STATEMENT. I am in bankruptcy. My mortgage is not part of the bankruptcy. I have no online access. They will also not talk to me when I call them.
How many laws were broken here? We have no idea of our monthly payment or interest rate. Have no idea how our payments have been applied. No contact is allowed except they do take my payments!!
HELP!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to LVNV Funding / Resurgent Capital Services. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXX Bank that they would be divulging my information to LVNV Funding or Resurgent Capital Services. Furthermore, the involvement of XXXX XXXX XXXX in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.
Product: Debt collection

This company is trying to collect a debt for XXXX that Ive already paid directly TO XXXX XXXX XXXX. I have sent them proof of the settlement with XXXX countless times telling them to stop contacting me for this account. Hey they have been calling me, my workplace and my parents. Its absolutely relentless what this company is doing. I contacted XXXX XXXX  and asked them to send me proof of the settlement which I then forwarded the proof to portfolio. In ALL of my letters I demand that they stop communicating with me via telephone and they do not stop!!! If this account is not removed I will be contacting an attorney for the many violations they have done.
Product: Debt collection

Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB
Product: Credit card

I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.
Product: Consumer Loan

For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. 

I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!
Product: Credit reporting or other personal consumer reports

Innacurate information being reported on my TransUnion credit file
Product: Checking or savings account

My name is XXXX XXXX. Im a US retired  veteran with XXXX discharge. I have a checking account with citibank. my account number is XXXX. Citi has frozen my account and thus, denying access to my funds as a result im facing XXXX as i cant pay rent and other bills. I called several times and they are very rude. Telling to wait for a imaginary letter that never comes. The reps are not Usa based and never really help you. I have children with and i also suffer from XXXX. This is making my situation worse. I researched online and found multiple people with the same problem. They even faced a class action suit in New York for freezing customer accounts with out proper cause. CFBP should look into this problem thats affects many americans.
Product: Credit reporting or other personal consumer reports

M & T Bank report a loan amount charged off or written off. I would like a copy of the 1099C form for this loan.
Product: Credit card

My name is XXXX XXXX, and I have been a Citi credit card customer for more than 8 years. Citi Bank closed five of my Citi credit card accounts ( Citi Premier, Citi Reward Plus, Citi Costco, Citi Double Cash, and Citi XXXX XXXXXXXX ) at the end of XX/XX/2023, after I filed a billing dispute for XXXX on XX/XX/2023, for the online order I placed on XX/XX/2023, of total {$76.00}. The reason for my dispute is I returned the full order at XXXX 's store on XX/XX/2023, and received the order return confirmation email, but I have not received the refund on my Citi double cash credit card, after several communications. Citi closed all my credit cards because there was misrepresentation information about my disputes. The disputes related to this are XXXX and XXXX, which all favor my side on XX/XX/2023 after your investigation, after I provided the evidence ( attached for your reference ). I dont understand why you said I provided you with misrepresentation information for disputes as everything I did is true. I know there were a few XXXX disputes that happened in early XXXX, thats because my XXXX account had a technical issue and it lost track of all my XXXX returns without my awareness, so I never got the refunds for my XXXX returns and thats why I file disputes for not receiving the refunds after return, but I have never been asked to provide the evidence from Citi bank, otherwise I could send you the return tracking information and explained what's going on. I always follow your dispute guidelines and I think it is unethical to close all my credit card accounts without prior communication and the reason for closing my account is untenable ( If I provided misrepresentation information for dispute why do you favor my side after several months of investigation? ). I would hope you can reconsider my case and reopen my credit card accounts. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.
Product: Debt collection

OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XX/XX/XXXXthat Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet Capital One continues to charge a high monthly interest rate on both charge card accounts.
Product: Money transfer, virtual currency, or money service

I actually just filed a complain but mistakenly selected " fraud/scam ''. The payment was actually authorized. I was threatened and feared for my safety. I zelle {$2400.00} and this the number that contacted me " XXXX '' by the name " XXXX XXXX '' on XX/XX/2022. I opened a claim through XXXX XXXX XXXXXXXX but neither XXXX XXXX XXXXXXXX or Zelle responded with assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Product: Debt collection

On XX/XX/2018 after just moving in a new home XXXX was already installed. I called and asked if I could try it out in my name because it had keypads and we didnt know the code to get in and out the front door. I informed XXXX that I didnt know much about the brand besides what I read on XXXX prior to contacting the he company. He then stated that there was no contract and that it was month to month and that I could cancel anytime. I didnt have to pay a installment fee because it was already equipped with touchscreen monitor, keypad, and camera in the backyard. A few months later I called and told them that I no longer wanted the service and what I believed was the end of it all. Without noticing at first I was still being billed months later when I canceled already around XXXX the service was also disconnected. When I noticed the unauthorized charges I canceled my bank card. Only to see later that they was still sending me bills and the balance was still going up with the alarm system being disconnected and me canceling the account. The bill was only {$54.00} and month to month so how do I owe {$360.00}. How was they still charging me for months that I had the service disconnected?
Product: Credit card

The USPS, XXXX XXXX and Barclays Bank are reputable companies and hold some responsibility to prevent this scam! - I have the original letter w/Barclays letterhead but was unable to submit @ this time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the account I marked as inaccurate # # # # # XXXX XXXX XXXX