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

Company Information ( Furnisher of Disputed Information ) Company Name : XXXX XXXX Credit Reporting Agencies Involved : Experian, XXXX XXXX  Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX ). The account in question is a charged-off account ( XXXX ) that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) - Failure to Maintain Accuracy ( FCRA XXXX ( b ) ) - Failure to Properly Investigate ( FCRA XXXX ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( XXXX U.S.C. XXXX, Section XXXX ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( XXXX U.S.C. XXXX ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( XXXX CFR XXXX1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form. 
- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report. 
4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( XXXX U.S.C. XXXX ) - Failure to Protect Consumer Financial Privacy ( XXXX U.S.C. XXXX ). 
- Improper Disclosure of Personal Information ( XXXX U.S.C. XXXX ). 
- Failure to Provide a Privacy Notice ( XXXX U.S.C. XXXX ). 
5. FTC Holder Rule Violations ( XXXX CFR XXXX & XXXX CFR XXXX ) - Preservation of Consumer Defenses ( XXXX CFR XXXX ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive Collection Practices ( XXXX CFR XXXX ) misrepresenting the legal status of a debt. 
6. Privacy Act of 1974 Violation ( XXXX U.S.C. XXXX ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
7. Metro 2 & E-OSCAR Compliance Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA XXXX ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.
Product: Prepaid card

XX/XX/XXXX Re : Formal Complaint - Fraudulent Transaction and Inadequate Response Dear Consumer Protection Agency, I am writing to file a formal complaint regarding an incident that occurred on XX/XX/XXXX, involving a fraudulent transaction at XXXX XXXX  XXXX, where I was a victim of deceptive practices and inadequate consumer protection measures. 
On the aforementioned date, I visited the XXXX XXXX XXXX  website to place a pickup order. The restaurant 's website exclusively facilitates pickup and delivery services through XXXX. Upon my arrival at the restaurant XXXX minutes later, both the restaurant attendee and the owner informed me that they had not received any online order requests. Despite presenting my receipt, they recommended contacting XXXX for assistance. 

I subsequently spoke with XXXX individuals from XXXX, both of whom had strong accents and did not disclose their names. The call center representative and supervisor informed me that the last recorded order with XXXX XXXX  was on XX/XX/XXXX, contradicting the date of my order. I initiated a three-way call with XXXX and XXXX XXXX  XXXX during which both parties denied any record of an online order & that my receipts order number was less than XXXX digits for XXXX orders. 

Concerned about the security of my information, I contacted my credit card company, Cash App, through both chat messenger and a phone call. Cash App advised waiting until the pending transaction cleared before taking action. I found this response unsettling, as it left me vulnerable to potential misuse of my account if additional funds were available. 

Despite informing Cash App of an open police report due to a previous identity theft incident from a lost wallet, they failed to offer proactive measures such as issuing a new credit card. Upon the clearance of the transaction, my dispute was promptly denied without a clear explanation. Cash App 's response was more re-victimizing than protective, subjecting me to unnecessary inconveniences and punitive policies. 

In light of the above, I am seeking your agency 's assistance in retrieving the amount of {$29.00} and safeguarding my account against further unauthorized charges. I have attached pertinent documents, including the purchase receipt, website copies, and call logs, to aid in your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If you have any questions I can be reached at XXXX or email : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by XXXX, Experian, XXXX. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable. 

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities. 

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ XXXX, Experian, XXXX ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I received a text message from Bank of America stating, " < # >BofA : DO NOT share this Sign In code. We will NEVER call you or text you for it. XXXX XXXX. Reply HELP if you didn't request it. '' I also received several emails regarding a newly opened bank account with associated applications pending and approved. I called Bank of America and began a claim to close this fraudulent account. My social security number was used for this account, as well as my maiden name. However, my address was not utilized. I want to ensure my identity is not stolen and my credit remains intact.
Product: Debt collection

The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added
Product: Checking or savings account

Someone opened a bank account in my name in XX/XX/2022 and XX/XX/2022 with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the XXXX.
Product: Debt collection

I had a bank account at Bank of America in XXXX. I did bounce a check or possibly 2 and the bank repeatedly attempted to put these checks through, resulting in hundreds of dollars of fees owed to the bank. When the account was negative $ 300+ dollars or so due to these fees, I told them to close the account and that they're nuts to think they can get away with attempting to repeatedly charge ridiculous overdraft fees, keeping my account in the negative and keeping all of my money. Now it is 12 years later and Bank of America has been contacting me, and threatening to sue me for over {$1000.00} plus lawyer fees and all legal court fees, totaling over {$3000.00}. They called Monday, XX/XX/XXXX from a restricted number saying a process server would be out to my address for a court issue and to call a different out-of-state phone number if I had any questions. I called and a man named " XXXX '' bullied me, telling me I had signed a contract, that Bank of America was well within their rights to collect this debt, because I had signed a written contract, this was money fairly owed to them and that they were sure to win in court. At first they caught me off guard ; I got upset, was crying and explained that I'm on a limited income, a working class single mother. They offered to let me off the hook for {$540.00} by today, XX/XX/XXXX. However, after doing some research, I discovered that the statute of limitations is 6 years on debt collections in NY state and 6 years on written contracts. I then dug further into some legal websites and discovered that Bank of America has been trying to use a loophole in the law, claiming that people who live and opened accounts in other states have never officially " timed out '' on the statute of limitations, since they don't live in the state Bank of America is based out of. I believe they are targeting people who may fall for this nonsense, and either pay some ridiculous amount of money by a certain date or not be able to make it to court, or fully understand the law. If the defendant doesn't show up, or is easily bullied or doesn't understand the law and their legal rights, they will win their suit for an amount way over what was ever actually owed. In doing research online, its also interesting to note that Bank of America had several of their large accounts ( that they lent a lot of money to ) go bankrupt in XXXX, and may be be trying to recoup what they can by taking advantage of the working class. I notified " XXXX '' of " XXXX XXXX XXXX, '' ( the man who I spoke to Monday and today ) of the statute of limitations, he didn't seem to know or understand the laws at all and repeatedly attempted to make me doubt what I know to be true, making me question whether or not he actually even works for any law firm at all, since he has zero knowledge of the law. He went as far as to make me repeat my statement several times and seemed to find it humorous that I know the law.
Product: Credit reporting or other personal consumer reports

I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/year> I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from XXXX, TransUnion, XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry date : XX/XX/XXXX
Product: Checking or savings account

Chargeback on account and dispute has been going on since XX/XX/XXXX. I disputed an charge with XXXX XXXX due to the product balding even though I did not wear it on XX/XX/XXXX. I received a chargeback on my account XX/XX/XXXX and I called explaining the situation once again and got temporary credit because the {$180.00} was taken out of my account as soon as I got my pay check. A letter was sent to my old address ( I updated it on the app beforehand but it got sent to an address I havent lived at for 3 years. ) and I was told by an agent that they didnt have enough proof in XX/XX/XXXX, I sent emails and photos of the hair. I was then sent another letter asking for more proof, confused I called them again and was told by another agent that the case was closed and that the images I sent were received. The images I sent were of the emails I sent on XX/XX/XXXX and XX/XX/XXXX ( to two different emails that I was provided with by chat ) explaining that the wig was balding. Their refund policy states that they will not provide a refund if the wig is used which includes even brushing the wig. I disputed with my bank because I received no response from XXXXXXXX XXXX, I sent clear pictures and I had owned the wig for less than a month as I purchased the wig XX/XX/XXXX. I received a letter saying XX/XX/XXXX saying there will be ANOTHER chargeback on my account as the merchant sent an email to me in XX/XX/XXXX that I told them that I sent them an email and they didnt reply and the merchant also sent receipt, as well I already stated the issue to them and I stated it again in my reply. They asked for pictures that I HAD ALREADY SENT. Im very frustrated as the merchant was not being honest and Wells Fargo keeps holding the case for months and chargebacking my account.
Product: Debt collection

On XX/XX/year>, I was called by " XXXX '' ( XXXX XXXX. XXXX ) from I.C. System Inc. ( " I.C. System '' ) attempting to collect a debt from XXXX. I believe this may be in regard to written correspondence I received from I.C. System, dated XX/XX/year>, to which I replied in writing in a Letter Re Debt Collection Attempt, dated XX/XX/year> ( the " Letter '' ) concerning an amount alleged owed totaling {$280.00}. 

On the phone call, as I did in the Letter, I requested written documentation itemizing each and any alleged debt that is owed so that I can verify the veracity of the claims myself. 

On the phone call, instead of agreeing to provide such written documentation, XXXX argued that she didn't have to provide it and that they didn't have it nor were required to and instead kept threatening to take action and report the debt. ( I additionally indicated on the phone call that I was unsure about some of the alleged details ( e.g., time, place of return, address at the time ) and why I wanted to see written documentation, but that was also ignored. ) To be sure, I have yet to receive a response to the Letter. But given XXXX XXXX attitude on the phone call, I was alarmed by this conduct and am proceeding to file this report.
Product: Debt collection

Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures desi
gned to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in goo
d faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.
Product: Credit reporting or other personal consumer reports

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS CREDIT FIRST FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I complaining about is a Clothing company called " Belk ''! I contacted them directly and told them I saw a Inquiry on my Credit Report that did not belong on my report? Dated XX/XX/2019! They asked for my SSI number? And when I gave it to them they told me that they didn't have me in there file and did not know anything about me or who I was? Can you please have them remove this Inquiry please? I saw the Inquiry on my XXXX file? Thank you