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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt
Product: Mortgage

I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.
Product: Debt collection

In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.
Product: Money transfer, virtual currency, or money service

I transferred {$1200.00} using their " super check '' on XX/XX/2023 to XXXX XXXX XXXX to pay off the balance on owed them. The very next day, somebody in Wells Fargo office made something called an electronic transfer of another {$1200.00} charging it to me. I don't know who he/she gave it to. All I know it wasn't deposited to XXXX XXXX. I wrote Wells Fargo several letters stating that I only made one {$1200.00} transfer. Finally, I received a reply ( in writing ). It was a mumble jumble letter which included a copy of the paid check to XXXX, but no proof that I received the electronic transfer -- which of course was impossible to provide. 
I just receiving the latest statement ; it still reflects falsely that I had taken {$2400.00} in transfers.
Product: Credit reporting

I would like to dispute 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old addresses are inaccurate
Product: Debt collection

Waypoint Resource GR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This original account is XXXX XXXX, with a debt owed of {$160.00}. This account was opened on XXXX XXXX, 2023 ( XXXX mos ). When I contacted the debt collection agency concerning the account, they stated a letter was sent out through XXXX  to the previous address I had lived at concerning the remaining balance of my account. I was not a resident at the address where they sent the letter anymore, therefore I never recieved this letter. The debt collection agency stated to me, that even if I paid the account in full, they will not remove it off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item on my credit report ( XXXX XXXX XXXXXXXX ). I DO NOT have any idea regarding these fraudulent account on my credit report. I'm reaching out regarding this FRAUDULENT item and for assistance to REMOVE it from my credit report immediately. This accounts is NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a XXXX  bill.
Product: Debt collection

Capital One. Dear XXXX, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

This inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as 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: Student loan

I have sent Navient my very personal private information three times already and they still are charging me late fees and put me in forbearance instead of IBR Plan! The last ( fourth time ) I sent the requested personal info including pay stubs ; it was returned by the post office. Im getting nowhere with them, and Id also like to be included in the ILLINOIS CLASS ACTION SUIT AGAINST NAVIENT because I fit exactly into the reason of the lawsuit. Please help me ( XXXX )
Product: Mortgage

I started a refinance process in XX/XX/2019 and it has been a XXXX-show ever since. My mortgage company ( UWM ) along with XXXX Escrow is owned by a parent company XXXX XXXX. All 3 companies take weeks/ over a month to talk to/ update one another thru the process. 

The major problem started back in XX/XX/2019 when XXXX told its escrow company to not pay my property taxes that were due. This upheld my refi and of course, during the last 2 weeks of XXXX nobody is around to answers calls/ returns messages. 

Between all 3 of the afore mentioned companies along with my mortgage broker, I received delayed, incorrect, unupdated and harrassing payment information for me to maintain proper payments and therefore avoiding additional late fees and dings to my credit score. 

I have spent so many hours on the phone with all concerned parties/ companies over the last 6-7 months, I couldn't count it in minutes, hours or even days I think at this point. 

At the time of writing this, I have lost 3 hours alone TODAY.
Product: Credit reporting or other personal consumer reports

There is currently a credit card attached to my credit report listed as XXXX XXXX XXXX XXXX currently being reported as of XX/XX/XXXX as a charge off with XXXX  % utilization. I have disputed multiple times because I have no knowledge of this credit card, did not apply for it. It is listed as a charge off with an account number ending in XXXX. It shows the date this credit card was opened is XX/XX/XXXX, I was born in XXXX that would mean I opened this target credit card when I was XXXX XXXX XXXX and it is impossible. I feel as though my disputes have not been taken serious and this is obviously incorrect information. This credit card is actively reporting and affecting me currently, this is accounting for XXXX late payments and has dropped my on-time payment percentage to XXXX  % when it is or has never been my responsibility or initiated by myself. I am XXXX XXXX military and looking to purchase property and get my finances in order, although this may seem insignificant it has an enormous impact on me. Respectfully request to have this false information removed from my credit profile immediately.
Product: Debt collection

This account had no record that ever belonged to me with this authority/leaser. I tried to contact you several times and ask for proof of ownership but you failed to send me the necessary documentation to prove that I really own this account.
Product: Credit card or prepaid card

I reviewed my credit report and found these accounts being reported improperly. These accounts have caused me undue financial harm and great stress. I've since needed to take XXXX XXXX  due to my heightened stress levels. 
I have put Navy Federal on notice about these accounts but nothing has been done. The following accounts are being reported in violation of my consumer rights. 

1. NAVY FCU Account Number : XXXX 2. NAVY FCU Account Number : XXXX These accounts are in violation of : 15 USC 1666 ( b ) ( 2 ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( a ) ( 4 ) No written permission was given to furnish information onto my consumer report.
Product: Debt collection

I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

On XX/XX/year> I bought 2 {$500.00} American Express gift cards from 2 separate retailers. I was unable to use either card. I tried calling the company but was not able to speak to a person. I was given their recorded message which didn't give me an option of speaking to someone. The recorded message simply said 'goodbye '. I should add that the bar code on both cards is partically obliterated. Now I'm out {$1000.00}. I would just like to get my money back. I've bought gift cards in the past from XXXX and XXXX and haven't had an issue.
Product: Mortgage

Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  Auto Financing
Product: Credit reporting or other personal consumer reports

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 In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect
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 rights to privacy and confidentiality under 15 USC 1681.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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 an account without my written instructions.

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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed.

Account Numbers and Names : -DEPT OF
EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Our mortgage was sold to Greentree Servicing in the last three years from XXXX. It has been a nightmare from then on. We have struggled with our mortgage because of employment issues with my husband and myself, but have never been more than 30 days late. They have threatened to foreclose many many times, been rude, told us we should just walk away from our house, been absolutely awful. I am not sure how they are able to stay in business as there are hundreds of complaints on line about them. I am considering contacting an attorney as I feel they must be stopped. I ca n't believe they can continue their lending practices.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX XXXX
Product: Credit card or prepaid card

Paid the total statement balance between XX/XX/XXXX and XXXX XX/XX/XXXX by due date of XX/XX/XXXX, but got {$57.00} interest charge. 
On XX/XX/XXXX, I made a purchase of {$3900.00}. The statement between XX/XX/XXXX and XX/XX/XXXX shows that New Balance Total {$3900.00} ; Total Minimum Payment Due : {$39.00} ; Payment Due Date : XX/XX/XXXX. 

On XX/XX/XXXX, I had {$62.00} of a statement credit. On XX/XX/XXXX, I scheduled a online payment of {$3800.00}. On XX/XX/XXXX, {$39.00} automatic payment was credited to the account. By XX/XX/XXXX, the total statement balance of {$3900.00} has been paid off. But {$57.00} interest charge showed in the statement between XX/XX/XXXX and XX/XX/XXXX. 

I have contacted the Bank of American and asked them to send the reasons and document about the charges, but I have never received. I filed on XXXX site, Bank of American has never replied also!