23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2019, I received a citation about a lawsuit being filed against me on behalf of XXXX.The suit was brought by XXXX XXXX  XXXX on behalf of XXXX XXXX  as plaintiff. SXXXX XXXX XXXX is a law firm acting as a debt collector. 
I called XXXX XXXX and they said they had referred the account to a third party debt collector, TrakAmerica and that I had to call them about the account. I had many discussions with TrakAmerica ( I had never received anything in the mail from them ).  They claim they are not a debt collector, but that they refer accounts for their clients to debt collectors. They said that XXXX XXXX still owns the account. They said I would have to contact XXXX XXXX XXXX about the account. 

On or about XX/XX/2019, I mailed a certified letter ( tracking XXXX XXXX XXXX XXXX XXXX ) to TrakAmerica, requesting validation that they had the authority to collect this debt ). I received no response from TrakAmerica. 

On XX/XX/2019, at @ XXXX XXXX, I spoke to XXXX XXXX who stated she was a manager at TrakAmerica. I thought when she answered the phone that she said her name was XXXX XXXX. I was transferred to her by XXXX who answered the phone after a 45 minute wait time. I found out from XXXX that TrakAmerica does not send out collection letters or collect debts. That they just refer accounts to debt collectors, in this case XXXX XXXX XXXX. I was not aware that it was legal for a third party, who does not own the account, to refer an account for legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus TransUnion and XXXX about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Department of Education and XXXX continue to violate my consumer rights. The debt they allege I owe I do not. They failed to address my previous concern about rather they are trading the promissory note for profits this is a yes or no answer. If they are not selling the note why did they submit documents to the SEC which outlines their business dealings. Failure to properly address my concern will result in my taking legal action for the illegal selling of this security and not rightfully compensating me as an investor in their company. The Department of Education never loaned me anything of value and there risked no loss what they are attempting to do is extortion and racketeering which are serious offenses. I will not pay an illegal debt that is fully paid from my investment unless XXXX can prove by federal law that I actually have a legal obligation to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX  This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Product: Credit reporting or other personal consumer reports

There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Debt collection

XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Hello I am resubmitting my complaint since I didnt get a resolution and my complaint was closed due to a pending loan modification but my loan modification has been denied : I have tried to apply for loan modifications in order to avoid losing my home and to afford making payments and the loan modifications have been rejected. Now Im trying to refinance but my 2nd lien, also SPS, had a 15 year balloon payment which ended XX/XX/2020 so they stopped accepting my payments. I need to get SPS to accept my payments from XXXX thru today in order for me to be able to refinance. I can not refinance without having payments up to date. I can only afford my house with lower payments which can be done through the refinance which will payoff both loans. If not Im stuck and need to prevent losing my home to a foreclosure.
Product: Mortgage

I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have given experian my personal infomation and proof of adress and they still have not updated my address to the correct XXXX XXXX XXXX XXXX XXXX wi XXXX
Product: Debt collection

Im in the process of trying to get a house and was trying to pay off my debt and have it removed from my credit so when I reached out to paramount to do that I did a settlement and afterwards they informed me that its to late to have it removed if I didn't pay it in full at the time being which should have been disclosed to me before I did the settlement and closed the account now after reaching out about it, the representatives say their is nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to request your assistance in addressing a serious issue with XXXX XXXX regarding unauthorized and inaccurately reported accounts on my credit profile. The details of the accounts in question are as follows : Account Number : XXXX Account Number : XXXX Account Number : XXXX It has come to my attention that these accounts were reinserted on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX has failed to comply with the requirements under section 611 ( a ) ( XXXX ) ( B ) regarding the reinsertion of previously deleted material. The pertinent details of the violation are as follows : Requirements Relating to Reinsertion of Previously Deleted Material : Certification of Accuracy of Information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Notice to Consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
Additional Information : As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion A statement that the disputed information has been reinserted ; The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
XXXX XXXX has not provided any certification of the accuracy of the information, nor have they notified me in writing within XXXX business days of the reinsertion. This failure to comply with the FCRA not only violates my rights but has also caused significant harm to my credit profile. 
I am requesting that XXXX XXXX immediately delete all accounts associated with my identification. If the accounts are not deleted within XXXX business days, I will take appropriate legal action to seek remedies for this unauthorized and unjust handling of my credit information. 
Please contact XXXX XXXX on my behalf to ensure that these inaccuracies are addressed promptly and that my rights under the FCRA are upheld. I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate statements on my credit report from Experian has hurt my credit score and at least one credit card company has declined credit citing those inaccurate statements. 


I spent more than an hour yesterday on phone with the representatives of the company trying to file a complaint or dispute to fix the error. I was passed on from one person to another and hung up in the middle, and the same pattern repeated when I called for another hour. The representatives constantly lied about having created a case number that could be seen by others, and others said they could not see the case number. The representatives said my report indeed has inaccurate information and some supervisor will give me a call back, but no such call was received. 


Experian 's credit report has multiple inaccurate and false statements. Here are some concrete derogatory remarks, quoted verbatim : " Few accounts paid on time. You have an insufficient number of accounts that are currently paid as agreed. Number of your accounts currently being paid as agreed : 1 account '' Similarly, on my Experian 's online account, it says that there are 67 % accounts that are " always paid as agreed '', which is also false. 

In reality, I am paying all my accounts 100 % on time, which is evident from the rest of the credit report. The only account I have not paid on time was closed more than a year ago. No other credit reporting agency has this closed account as a derogatory remark on their reports, and they also correctly state that all my accounts are paid as agreed. 


Somewhere on Experian 's system, it has recorded falsehoods about my accounts, payments, and delinquency status. These falsehoods are reflected on my credit reports and these false judgements are hurting my credit score, as well as ability to acquire credit. 


Experian is not serious about the harms its irresponsible and negligent actions are causing me. It took no action after being alerted about this multiple times. 


I am attaching a document with this complaint that contains the following screenshots : ( a ) Experian 's credit report containing the inaccurate statements, ( b ) Experian 's web account containing the inaccurate statements, and ( c ) XXXX 's and XXXX 's credit reports with accurate statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Equifax and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against Equifax and XXXX to rectify the violations promptly. 

Thank you for your attention to this matter.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX and XXXX XXXX XXXX - no acct # listed XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an unknown loan that was opened XX/XX/year> under the account number # XXXX account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Debt collection

I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.