23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute Fair Collections & Outsource Balance {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Credit card

Hello, My name is  XXXX  and I recently noticed th at Macy 's had rep orted to all  XXXX  of my credit reports that I was 30 days late in  XXXX  of  XXXX  but I was never late and that information is not accurate. I had called the company back then to report that my statements were missing. either lost or stolen or never received and all of the fees were waived an d the manager was very understanding. I remember that they assured me that this would not impact my credit report and I t rusted the managing supervisor on the phone and never thought about it again. Now, I am currently trying to purchase a home and my real estate agent informed me of this late and I was completely shocked and disappointed to see that the changes were not made to correct the inaccurate 30 day late in  XXXX  of  XXXX . I was never late to make any payments, I am a very responsible credit user, the statements never came to my house nor had I received any phone calls regarding a missing payment to even know. Please a sk Macy 's to  make  XXXX   XXXX  current and never late, that would be the correct reporting. whatever appears now is completely inaccurate.     Also, I noticed that they also placed an inquiry on credit report and that is wrong and should not be appearing on my report. I never applied for new credit at macys in  XXXX  of  XXXX  and I have no idea why this is appearing on my credit report via   XXXX   XXXX  . I have always had  a Macy 's Department Store card  and never authorized anyone to reapply with my social security number. I have been a member since  XXXX  so this is very confusing to me. Please have them remove the inquiry from  XXXX   XXXX  as well-that is wrong. Thank you so much
Product: Debt collection

This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Original Creditor XXXX 12 XXXX NEGATIVE SHARE ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 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 I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate,
Product: Checking or savings account

I opened a CitiGold checking account with a promotional offer according to which I was supposed to receive XXXX XXXX XXXX   miles. I completed the requirements of the offer by the first week of XXXX and confirmed it with the bank. I was informed that within 90 days of fulfilling the requirements I would receive the bonus. 

When I checked with the bank after the 90 days I was informed the bonus would be credited within soon, which later became around third week of XXXX, which became the XXXX of XXXX. 

Finally when I again reached out to the bank on the XXXX of XXXX, I was told that there isnt a date that can be provided but theyll open an internal investigation. 

I have had 5 different conversations about it over a month and just keep getting different answers. 

Seems like the bank is just fooling with me. I have had to spend a significant amount of time communicating with the bank and would ideally like to be compensated for that too.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Product: Credit reporting

I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
Product: Debt collection

I dont not believe that I owe the amount of XXXX I have no knowledge of this account I believe that somebody else is responsible for this charge thanks
Product: Checking or savings account

In XXXX, Chase bank made an unauthorized claim, and an unauthorized deduction of {$300.00} form my account, I opened a claim for it, later on, I received a letter indicating that while the investigation goes on they are going to place a temporary credit of {$600.00} on my account while they research the transactions that I reported. However, this {$600.00} did never showed up in my account. 

In XXXX, Chase bank made an unauthorized deduction of {$300.00} our of savings account and {$270.00} from my checking 's account, this unauthorized transactions resulted in having my account in the negative numbers, as a consequence of this deductions I could not close my account and I have been charged with overdraft fees. 

I have also been mistreated by the personnel of Chase bank when I went to ask for an explanation. 

I want to clarify this situation, and get my money back.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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 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 XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I obtained a Citibank credit card to take advantage of their balance transfer offer which at the time was 0 % interest. I performed the first balance transfer of {$3000.00} on XX/XX/XXXX. Interest would be deferred until XX/XX/XXXX. The first balance transfer I obtain is noted as ( Offer 4 ) on the monthly statement. I performed another balance transfer of {$2000.00} on XX/XX/XXXX with an interest rate of 1.99 % and interest was noted as deferred until XX/XX/XXXX. The second balance transfer I obtained is listed as ( Offer 6 ) on the monthly statement. 

I made the monthly payments above the required minimum payments and notice that my monthly payments, which were always above the normal monthly required amount, was being applied to balance ( Offer 6 ) in which interest was deferred until XX/XX/XXXX and was not applied to ( Offer 4 ) in which the balance must be paid off by XX/XX/XXXX. As a result, if the balance on ( Offer 4 ) was not paid by XX/XX/XXXX, all interest incurred starting with XX/XX/XXXX would be added to any outstanding balance which was not paid by XX/XX/XXXX. I was led to believe my payments would go towards the first balance transfer, ( Offer 4 ) first and that I had until XX/XX/XXXX to pay off ( Offer 6 ) in the amount of {$2000.00}. I have a outstanding balance currently of XXXX. By the time my complaint is read I will have the balance down to {$1000.00}. It is very misleading when Citibank extends a balance transfer in which the rate is good until XX/XX/XXXX however, they subject the consumer to an unfair pratice by applying the payments to the higher interest rate which in my case is ( Offer 6 )  subject to incur interest charges on balances outstanding after XX/XX/XXXX. I am sure I am not the first individual who has taken advantage of more that one balance transfer at one time and this is truly an unfair practice to the consumer. I contact the bank 's customer service department and I was told I must pay off balance ( Offer 4 ) in which the last statment showed an amount of {$2100.00} by XX/XX/XXXX. Which does not make sense because my current balance as of the last statement was {$1900.00}. Balance ( Offer 6 ) showed a balance of {$110.00} which showes my payaments were applied to the higher interest rate offer ( Offer 6 ) which I had until XX/XX/XXXX to pay in full. Once again, before interest was applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX have been dealing with an issue with Experian over the past 6 months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including po box XXXX XXXX, NY XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the XXXX XXXX doesn't and it isn't registered in my name. I live in Florida and the XXXX XXXX is located in New York and I have called Experian countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with Experian and he stated over the phone that this would be taken care of and that the XXXX XXXX would be deleted as this is not a residence. However, the XXXX XXXX still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.
Product: Debt collection

I have a bill from XXXX of XXXX dollars that is not mine. I have never had XXXX XXXX and I have never had the phone number they are saying this account is attached to. I am a member with XXXX. I have submitted this dispute to the company and to XXXX. The debt is still under my name, and nothing has been resolved. 

Original creditor : XXXX XXXX Account Name : Jefferson Capital Systems Account type : Debt Buyer Date Opened : XX/XX/XXXX balance : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I discovered that I was still being charged monthly for an installment loan for an XXXX that I had traded it. The initial issue what that XXXX lost the package so the phone was never received. As such the loan installments were paused while waiting for the phone to be received and restarted in XXXX of XXXX. I did not discover this until XXXX of XXXX. I provided confirmation that I had mailed the phone and a refund was issued by XXXX to Citizens Bank in the amount of XXXX and citizens bank was to refund that money to me. 

I called on XX/XX/XXXX to citizens bank and they stated they had not received the refund from apple yet. I called again on XX/XX/XXXX and Citizens conference in a representative from XXXX  who confirm that the refund was indeed sent to citizens and provided them with a reference number to give to their accounts receivables team to locate it. Citizens rep told me she would open a request to get me the refund that was owed to me. I've called every week since then and there is no update on the request. There is no sense of urgency to return the money that is owed to me. It appears that Citizens may have lost the refund. XXXX provided them evidence that the refund was sent to citizens yet im still out of my money. Every time I call I'm told the person that can help me isn't in the office yet I don't know the name of this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX STUDENT LOANS and Account # XXXX XXXX STUDENT LOANS, and Account # XXXX XXXX STUDENT LOANS, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT
Product: Mortgage

Ocwen Loan Servicing , LLC, located in XXXX, Florida refuses to comply with the Federal requirement to terminate my PMI insurance at the 78 % LTV.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00}
Product: Debt collection

This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$19000.00} to XXXX XXXX using an account with XXXX XXXX. Several days later XXXX XXXX contacted us and said their bank, Bank of America, said the check was no good and had been returned. I checked the account balance to verify funds and then contacted XXXX to ask why they returned the check. XXXX checked account and said no check had been received, there was nothing in our account that showed a returned check or that any check had been received. 

I contacted XXXX XXXX who verified BOA stated the check was bad. We explained the check had never been sent to XXXX by BOA. XXXX  XXXX then stated BOA said it was and invalid check. I contacted BOA and they confirmed it was an invalid check and they hadn't processed it because it was no good. 

I got certified check for XXXX XXXX but this was very embarrassing and I still have no idea why BOA determined the check was invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.
Product: Debt collection

We used payday loan service 7 years ago and paid off our remaining debt. Halsted financial services has called us 7 yr later saying that we owe them money. We do n't owe them money or have we used payday loans for 7 yr
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT. DUE TO A XXXX XXXX BREACH