23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit with all credit reporting agencies on XX/XX/year> I am writing regarding the alleged debt associated with SYNCHRONY NETWORKS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX in the amount of {$4000.00} which is reporting to my credit report as charged off as profit and loss write-off. As of this date, I have not received a Form 1099-C for this cancellation of debt, which is required to be provided under IRS guidelines Internal Revenue Code Section 6050P for debts forgiven in excess of {$600.00}. I am formally requesting that you issue a Form 1099-C as required by law so that I may accurately report this on my tax return. Please note that failure to provide this form may subject your company to penalties as outlined by IRS regulations. Per IRS instructions, Form 1099-C must be issued by XX/XX/XXXX of the year following the debt cancellation. For more detailed IRS guidance on this, you can refer to XXXX XXXXXXXX XXXX. If the 1099c is not issued to me, I will be forced to file a XXXX or form XXXX whistleblower form with the Internal Revenue Service.
Product: Checking or savings account

On XX/XX/2023 I responded to Alliant Credit Union 's XXXX promotion to open new acts, meet state requirements, and earn {$400.00} in awards. Requirements were simple and clearly stated as shown in attachment. After meeting all requirements, XXXX only paid out a partial award ( {$300.00} of {$400.00} ). On XX/XX/2023 when I inquired about this discrepancy their representative stated a new, previously undisclosed, requirement for electronic deposits into the checking acct. It is not fair to change the requirements after the fact, and for this reason I am filing this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My students loans were paid in full & were never late. Navient continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account ( XXXX ) is reporting an account as open. I have called XXXX XXXX XXXX  and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Here the company response Company still working STATUS Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request.
Product: Debt collection

Rec 'd call XX/XX/XXXX, XXXX, from XXXX seeking XXXX XXXX . Caller said he represents Allied Interstate [ a collection agency ]. I have been getting these calls since XX/XX/XXXX and I 've told Allied Interstate since that I do n't know her ; that the number called has been reassigned and to cease calling and removed my number, but to no avail has this harassment stopped to date.
Product: Debt collection

NCB Management continues to try to collect on the debt and they refuse to provide the information i continue to request from. 

i have asked for this information below numerous times and they simple ignore my request and attempt to try and settle the debt. 
Collections agency must provide these : 1. What the balance they say owe is for with proof of payments up to that balance 2. Explain and show you how you calculated what you say I owe 3. Provide you with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 6. Show you the you are licensed to collect in my state 7. Provide you with your license numbers and Registered Agent or Agent of Service With that said I just want them to abide by the law or remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of Ed/XXXX/XXXX  - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.
Product: Mortgage

Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX **** Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian a notice that I wanted them to verify an account. On XX/XX/XXXX, they sent back a response saying that the account was verified. On XX/XX/XXXX, I sent Experian a notice asking which method they took to verify this information. On XX/XX/XXXX they sent back a response with contact information of the company. On XX/XX/XXXX, I sent a response asking why there were still inconsistencies within my credit report. The specific reason was that the date of last activity that they Experian was reporting was XX/XX/XXXX. XXXX was reporting this date as XX/XX/XXXX, and XXXX was reporting this date as XX/XX/XXXX. These are 3 completely different dates. 
Experian claims that they properly verified this information, so why are these dates still not matching up with one another. In addition to this unethical practice, their last dispute result explained they they " updated '' the account. The before and after dispute results are exactly the same, so there was no update like they claimed. This is costing me potentially thousands of dollars in interest due to reporting errors and unethical practices.
Product: Debt collection

this Debt was a loan entered online in XX/XX/2019 from XXXX  by XXXX   XXXX. I agreed to payments of XXXX per month however the payments kept changing. I ended up in the hospital XX/XX/2019 and was late on this payment. When I went to make this payment they refused it and then set up new payment arrangements. I was to pay on or before the due date Which would be the XXXX because this is when I received my XXXX check.. The due date for XX/XX/XXXX was a Saturday and they closed early and did not accept the payment on line. I called on Monday morning XX/XX/XXXX they refused the payment said we are sending you to collections and this will be on your credit, I asked for a supervisor they stated there were none. I emailed request for a supervisor to call. I got no response I tried for weeks and got no where. I received an email on XX/XX/XXXX they had sold the account to a collection agency. who will not wok out payment arrangements but they are further damaging my credit by reporting every month i am late on payments. They will not correct this even after I have disputed it directly with all credit agencies.this collectors name is NCB management. I have also contacted the company asking for all documents relating to this account they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with XXXX XXXX XXXX in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my Transunion XXXX only XXXX credit report from XXXX ( 4 ) and XXXX ( 4 ) dropping my score XXXX points. I called XXXX who told me I had always prepaid and never had any missed payments, so I filed a dispute with Transunion on XXXX XXXX. By XXXX XXXX I received a letter from Transunion that XXXX provided them all documentation and XXXX removed the erroneous information. I never received an explanation of how someone goes backwards 1 1/2 years and adds inaccurate information though I do believe it was the gentlemen I upset XXXX XXXX who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again XXXX reported all the same erroneous information that was just resolved. I contacted Transunion and they verified that XXXX once again did the same thing on a closed account that XXXX just removed from the account. The Transunion women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call XXXX on my behalf. I truly believe XXXX has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called XXXX, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score XXXX points and I feel this is going to continue happening over and over again. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to fix these issues and i have sent copies of cease the reporting of these inquirese as soon as possible on my credit file. Also new ones have been added recently that do not recognize and i have asked to be removed. I have not been credit shopping fpr new credit in the last 4 years for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX
Product: Vehicle loan or lease

I am continuing to have problems with GM Financial. Now I have applied for a home equity line and XXXX XXXX is stating I have a GM account being reported still late. I do not have two accounts - Acct XXXX has been straightened out - but GM is saying I have late payments on another account from XX/XX/XXXX - Acct XXXX - was a XXXX XXXX I traded in for in for the XXXX XXXX ( acct XXXX ) - I do not own the other XXXX - ( XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX ) took possession of the car when I leased the XX/XX/2018. My mortgage credit report still has inaccurate information on it and it is keeping us from taking care of our financial statements. This is absolutely ridiuculous that I am still paying the price ( 5 months ) for GMs XXXX up. I want my financial statement as well as my husbands to be no longer affected by GMs terrible service. I want it taken care of immediately, so that any one who we apply for credit through knows we are not deadbeats! 


XXXX previous dispute # XXXX
Product: Credit reporting or other personal consumer reports

I currently have an Extended Fraud Alert on my Equifax credit report. I want Equifax to immediately delete and remove the Extended Fraud Alert from my Equifax Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX Notice for Proof of Claim Account 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 XXXX  To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Payday loan, title loan, personal loan, or advance loan

My financing with Klarna was paid in full on XXXX XXXX for the sum of {$64.00}. 
They billed me {$7.00} on XXXX XXXX XXXX for some XXXX. charge and have not refunded me yet.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}