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

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX Account Type : Unsecured Loan Account Number : XXXX Balance Reported : {$0.00} Status : Collection/Charge-Off Violations and Inaccuracies : XXXX. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide complete verification of the debt upon request. No verification has been provided for this account, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting has not ceased. This is a clear violation of federal law.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to ensure maximum accuracy of reported data.

The balance is reported as {$0.00}, yet the account is listed as a Charge-Off and in Collection, which is misleading. 
Comments indicate that the account was purchased by another lender and sold to XXXX XXXX XXXX XXXX, yet no valid verification of the transfer or sale has been provided. 
Reporting an account as a loss by the credit grantor while simultaneously showing {$0.00} due is contradictory and creates inaccuracies. 
XXXX. Duplicate Reporting of Charged-Off Accounts : The comments state this account was sold to another lender ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX suggesting a potential duplicate account could be created for the same debt. This practice is misleading, as the original account should no longer report if sold. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/19 received a BRINKS Prepaid XXXX that I did NOT request. 

This credit card is real with my name on it and an activation sticker. 
I did not sign up for this card nor did I participate in a promotion that would include receiving a card. I'm concerned that someone might have gotten my personal information and is starting to use it for things like this. 

I did not contact this company because I do not want to confirm to them that I got the card. 

BRINKS Money XXXX XXXX XXXX XXXX, TX XXXX www.ActivateBrinks.com or XXXX www.BrinksPrepaidMastercard.com or XXXX
Product: Debt collection

debt collector put an old bill on my credit report, and changed the date from a early date to a later date
Product: Credit card

I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. Thank you.
Product: Credit card

On, XXXX several letters where sent to me stating several accounts were being closed due to ( Activity on Account ( s ) with Synchrony Bank indicative of high risk of failure to pay. I have never been late or missed a payment with any Synchrony account. These mass closures ( without any warning ) have negatively affected my Credit score. I have requested information on why these decisions were made. 

Store accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion | We have enclosed the XXXX XXXX outlining the specific details of our dispute. We hereby notify our intent to formally demand that XXXX assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 

15 U.S. Code 1666b - Timing of payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX Account XXXX Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( XXXX ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT 1 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information on an account thats almost 8 years old. 
ACCOUNT 2 : XXXX XXXX, AMOUNT : {$530.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information to include the original creditor ( XXXX XXXX ). Ive never seen this noted before. 
ACCOUNT 3 : XXXX XXXX, AMOUNT : {$250.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. 
ACCOUNT 4 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. Yet, they claimed to have verified the account.
Product: Bank account or service

On XXXX of 2016 my girlfriend accepted a job. Little to our knowledge it was a job scam. The job provided contracts, websites, accreditation, and business registration number. She was told her job was an XXXX. She was told a client was sending money to our account. She was told to open a XXXX XXXX XXXX account. She was told after thirty days they would put her on the company account but until then she had to use her own. The client wired XXXX into our account. The bank approved it and allowed her to move the money. Domestic wire transfers are reviewed and posted the same day. It took a week for them to decide to reject the wire transfer. They froze the account with NO NOTICE. They would n't tell me anything but that my account was under review and to call in three business days. I could n't access my money. I am in the XXXX in three months. I was treated awful by the bank they did n't work with me at all. They accused me of fraud. They should have froze the account the day the wire transfer went in and investigated it then. They should have flagged it. My girlfriend was scammed and we have to pay for it? What kind of protection is that? The fraud department at USAA does n't even have contact information. They said we could n't talk to anyone about the investigation. It was n't until the bank froze the account we found out the job was a scam. We wish we would have known the day the transfer happened. This job spent three weeks convincing and " training '' my girlfriend. She had no idea it was a scam and she even XXXX and asked for verifications. The bank let us down by not protecting us. We make average money the bank has never seen huge amounts hit out account they should have called and asked about it. They should have investigated it. Within a week of freezing the account all they said was the name was spelled wrong. They were accusing US of first party fraud? And they were exercising their right to do business with us ... not to mention informing us the bank took a " hit '' by approving the funds they did n't review so we had to pay it back.
Product: Credit reporting or other personal consumer reports

I have a lot of late payments, incorrect balance on all XXXX  credit bureaus Experian XXXX and XXXX incorrect collection attempts
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Product: Credit reporting or other personal consumer reports

I am writing in formally to appeal the denial of my claim concerning the Equifax Data Breach and the impact it had on my personal information. In XX/XX/2023, I received notice from Equifax stating that my claim had been denied on the grounds that I did not have an active membership with Equifax at the time of the breach. 

I would like to emphasize that despite the assertion made by Equifax, my personal information was undoubtedly impacted by the data breach. The breach compromised sensitive data, including my social security number, address, and other personal details that reach the dark web, which poses a significant risk to my financial security and personal privacy. 

I understand the necessity of accurate records and verifications for such claims. However, I believe there has been a misunderstanding or error in evaluating my situation. I have thoroughly reviewed my records and can confidently confirm that my information was indeed affected by the Equifax Data Breach I have enclosed documents that further validate my claim and substantiate the impact on my personal information. 

I kindly request a reconsideration of my claim and urge the CFPB to reassess the evidence provided. The breach has caused significant distress and potential risk to my financial well-being, and I trust that the CFPB will XXXX review my case to ensure fair resolution. 

I appreciate your time and attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information or clarification is needed. 

Thank you for your prompt consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. 
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
Product: Debt collection

Frequent and insistent calls for my son who apparently has an outstanding bill for his credit card. I am not the debtor and they continue to communicate with me ( third party ) to leave messages for my son. Despite my multiple attempts ( 4 ) at asking the various representatives to remove my number - the collection agency refuses to remove my number and continues to call me in connection with the collection of this debt. 

I get 4 phone calls daily from the number listed for the last 7 days. 

Today during my third attempt to get the calls to stop a representative named XXXX, Employee ID # XXXX, refused to provide me an address to mail my formal cease communication request, refused to allow me to speak with a supervisor and finally stated " your number can not be removed from this file because we do not have another number to reach him. He then hung up on me. 

I am currently on the phone with the Bank ( 4th attempt ) to get the calls to stop.
Product: Mortgage

Hello. 
I have a second mortgage with Indymac, but now had transferred to CIT banks ( XXXX ). I have missed a payment for XXXX, due the I was out the country. So I was tried to get current. So I have made every payment since, so in XXXX I have was tried to get current on my loan, so I made my current payment of XXXX, than {$30.00} ( XXXX ) as late fees, than {$130.00} ( XXXX ) and {$210.00} ( XXXX ) and current due payment for the XXXX {$290.00} ( XXXX ) The funds {$30.00}, {$130.00} and {$210.00} had never applied on my account even it shows in my bank statement at CIT my loan information. 
I have calculated since XXXX I have to make {$2000.00} as my due payments, but I have paid them {$2100.00} by end of XXXX. I have still own them payment for the XXXX and it 's good until XXXX XXXX. 
They are keeping tell me that I have own the XXXX payments!!! It 's poor calculation from BANK ( financial institution ), as I showed my total paid above. How can I be confident that they can even manage my account? They are still reporting that I 'm late to Credit report organizations. 
So I want them 1. Fix this problem 2. Fix my bad credit report. 
I have attached the statement as I printed from their website. As you can see funds {$30.00}, {$130.00} and {$210.00} had never applied to my account if you will look at Principal and Interest columns. 
Thank you
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX account opened XX/XX/XXXXXXXX  without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX XXXX XXXX, Experian, and XXXX, I have not gotten any results.
Product: Debt collection

It was written of an they still trying to get me to pay haven't received a1099 from an didn't allow the company to share my data information
Product: Credit card or prepaid card

XXXX XXXX XXXX is reporting to the credit bureaus that I have an outstanding balance on an old credit card account for {$530.00}. I am trying to clean up my credit, so I called XXXX XXXX, and tried to pay them. They told me that they no longer had my debt in their office. I have repeatedly asked them who does have the debt now, but they said they do not have that information. They are not giving me an avenue to resolve the debt, yet they continue to report it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so Wells Fargo is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with HSBC. The account advertised {$600.00} ( {$100.00} XXXX per month during the first 6 months after account opening ). I called HSBC 5 times shortly after opening account online to confirm offer. The customer service representatives ( CSRs ) hung up on three times, got transferred once and finally the last CSR said for me to close account and reopen it however I could not do that on the call because my funds were not received. 

I also received 4 emails from HSBC that I did not read till XX/XX/XXXX. First email, stated my application ID XXXX time out. Second email, application XXXX was approved. Third email, provided me with the activate link and instructions of a 6 digit code that I deleted on the XXXX. I had no idea why I was getting 4 emails and a code to activate the account. Did the account opening platform failed to give me this information? The CSR certainly didn't tell me I had to activate the account. 

I don't think that I should have to open another account to have the bonus offer applied per the CSR instructions. Additionally, when you open an account the instruction that were sent to my email should be disclosed. How would I know that there would be 4 emails and a text following to activate an account.