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

Dear CFPB Representative, I am writing to formally escalate my complaint regarding a collection account that was previously disputed and removed but has now reappeared on my Experian and TransUnion credit reports with two different payment amounts. This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Summary of Issue : Account Name : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Discrepancy in Reported Balance : Experian Report : {$260.00} ( as of XX/XX/XXXX ) TransUnion Report : {$260.00} ( as of XX/XX/XXXXXXXX  ) Violations of Federal Law : 1. FCRA 611 ( a ) Failure to Properly Investigate Dispute I previously disputed this account, and it was removed from my credit report. The fact that it has reappeared with errors indicates that the furnisher failed to properly verify the accuracy of this debt. 
2. FCRA 623 ( a ) ( 1 ) Reporting Inaccurate Information The two different payment amounts ( {$260.00} vs. {$260.00} ) for the same account violate the FCRA requirement that furnishers report only accurate and complete information.

3. FCRA 609 ( a ) ( 1 ) Right to Full Documentation The furnishing party ( debt collector ) has not provided original signed documentation proving the validity of this debt. I demand verification under 15 U.S.C. 1681g.

4. FDCPA 807 ( 2 ) ( A ) Misrepresentation of Debt Amount The inconsistent balance reporting is a false or misleading representation under the FDCPA.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of this collection account from all credit bureaus ( Experian, TransUnion, and XXXX ) due to inaccurate and unverifiable reporting. 
2. A full method of verification ( MOV ) report from Experian and TransUnion, including documentation proving this debt is valid. 
3. A penalty review of the furnisher for violating the FCRA and FDCPA by reporting inconsistent and unverified information. 

Final Notice to CFPB & Credit Bureaus : If this matter is not resolved within the required 30-day time frame, I will escalate my case to the Federal Trade Commission ( FTC ) and consider legal action against the furnisher for FCRA and FDCPA violations. 

I appreciate your prompt attention to this matter and expect a written response regarding the next steps to correct these violations.
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from JetBlue airlines. Suspecting fraud, I called Barclay, the company which issues Jetblue cards, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the JetBlue flight booking site. I requested that the account be closed and the unauthorized inquiry be removed, however, Barclay refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all outstanding balances of {$91.00} on XXXX XX/XX/2021 to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXX After completing the debt payment procedure. My credit record should have been deleted, but to this day my credit score is still bad because the debt still exists in the government 's computer system, which has not been cleared. Therefore, I earnestly request that you check and correct my credit score
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised that XXXX XXXX reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed in XX/XX/year>, Consumer is now requesting EQUIFAX to provide the documentation used to determine account was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 treasury omb forms to audit consumers account and TCR TIP ewith SEC. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!
Product: Credit reporting or other personal consumer reports

In XXXX of 2022 I closed my citi card after one month because Citi could not figure out how to add my wife to my card and required my cell phone for 2FA. I logged in to the account and verified the account had a XXXX balance and considered the matter closed. 

Months later Citi started sending me late notices about remaining balances and started charging me fees for things I confirmed were resolved on XX/XX/scrub> 2022 when I closed the account. 

Since then, Citi has sent me to collections for their egregious fees through the years and every time I received a notice, I disputed it accordingly to protect my credit rating. 

Recently I was made aware of a decrease in my credit score from XXXX. I have found that Citi has been able to adversely affect my credit score because I am not willing to pay their fees for charges I am not responsible for. 

I have now found that my insurance rates have gone up because of my poor credit rating because of Citi banks report. 

Yesterday and today I tried to call Citi Bank, XXXX and CFPB to try to resolve this matter over the phone but am told they are closed or get disconnected. Today I tried to create an account at XXXX to resolve the issue their portal did not accept the information I used to sign up for the account. 

In summary, I have not carried a balance on a credit card for the last 30+ years. I have not been late on payments to mortgages during the same time and have paid off all of them but for one HELOC. I value and protect my personal information as much as I protect my credit score. In this instance, it is now literally costing me money to try to protect myself from FRAUD.

Today, I also called my House of Representative to explain the issue to try to raise awareness of the irony.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for $ XXXX XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> from XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. 

Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

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

XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$220.00} XXXX  XXXX {$2400.00} XXXX XXXX {$5200.00} XXXX {$1600.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX {$1500.00} XXXX {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit reports from XXXX, Equifax, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Product: Bank account or service

I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account
Product: Mortgage

My mortgage, held with XXXX XXXX Mortgage, was transferred to LoanCare, a mortgage service company, a few months ago. When transferred I was assured that nothing would change, and my payments would remain the same, unless of course, there was an increase in other areas such as property taxes or escrow. 

There was never a fee charged by XXXX XXXX unless there was a late payment, after the 15th of the month, which would be considered late, and which I understood. I had been making my payments on time, via bank transfer, to XXXX XXXX and similarly each month to LoanCare, on or before the 16 of the month. This payment timing was good for me because, as a senior citizen, receiving my social security ( SS ), my deposits are deposited the second XXXX of each month, which always falls before the XXXX. Please see my bank statement attached. 

I made my set payments on time each month to LoanCare. Nothing was changed with my payment to LoanCare until this month when, to my surprise, I noticed an additional payment of {$10.00}, labeled as a one-time payment fee, a fee that was never charged before, not even by XXXX XXXX. I was not informed of this fee until I logged on today, XXXX XXXX, to make my monthly payment, after my SS was deposited, and I have never been late. I believe that my payment falls on or before the due date and I should not be charged a fee. Here is their draft fee schedule, which surely appears to be a late-fee schedule disguised as a draft-fee schedule : " One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} '' I have since sent a request to have this fee removed from my mortgage payment. I have no control over when my SS is deposited and this is the only money I use to pay my mortgage. A bank draft is also the only way I have paid my mortgage, and given the time of my SS deposit, this would be the only method I use to pay it, so tacking on a draft fee is unfair. 

As a senior citizen, I think this service is taking away from my earnings and I think it unfair to me, since I was never asked to pay a draft fee before, nor had been informed of one being added. {$120.00} a year for future monthly draft fees was nothing I had agreed to when the mortgage service was transferred. 

As a senior citizen I do hope that CFPB will assist me in having this monthly fee removed, and I can continue to pay my mortgage using the method and time I have been accustomed to. 

Thank you for your assistance.
Product: Debt collection

I'm not originally from this country. I've had my identity stolen about 3 times. I pride myself on being a responsible consumer. There are some others that want to take short-cut to get there. I've asked for my account to be validated by Midland Funding LLC for the past 2 years, and all I get are statements with the account number blacked out. They sued me in 2018, and they didn't even have the decency of showing up. The judge told me that they can come back after me again. Surprise they sued me almost a year later. The case is a waste of time, but I don't want a default judgment. I've asked for contracts with my signature, and all I get is signatures. I sued Midland Funding LLC for violating the law. This is a big mistake on their part, in no way do I have an agreement with this company. The funny thing is they sent me someones lawsuit with address, and private information. If this is the best they can do I'm really afraid of how someone can just file a lawsuit against anyone. Especially if the consumer has no clue who you are. Or even if you don't have substantial proof. Whatever you do please fight these clowns. They might use intimidating tactics to try to get you to settle. Like in my case, they call me up to 20-25 times a day. Attempting to kick my door down and gain entry to my home on a w weekend night. Also sending me lewd photos of XXXX woman from the area code ( XXXX ). Even when I have a XXXX area code. How can they seriously get away with this? Midland Funding will do anything to get a {$1.00}. SO PLEASE FIGHT BACK.
Product: Credit card

I saw a photograph scanner advertised on XXXX in XX/XX/XXXX. I ordered the scanner for {$300.00} and I was told by the merchant it was a special program in cooperation with XXXX for a low price and to buy an XXXX gift card for {$300.00} and use this for payment. I bought the gift card and paid for the scanner. It did not arrive and after two weeks I contacted XXXX about this. They said it appeared to be a scam, despite being listed on XXXX and they refused to accept responsibility for the fraud. I had charged this to my credit card " XXXX XXXX XXXX '' from U.S. Bank, ending in XXXX, believing their advertising claims that this card would protect me from fraudulent transactions. They have denied this claim for {$300.00}, which appears to be a breach of their contract with me.
Product: Debt collection

I seen a collections on my credit report that I did not recognize. I disputed this debt and asked for proof of service. XXXX months went by without anything about the debt. Then all of a sudden I was getting served on XX/XX/XXXX. I filled my answer worth the courts stating I did not know what this debt was and wanted proof of service. It took them tell XXXX to send a response. I am sure so they could add on three months of interest and charges. However, this medical debt I was made to believe was paid in full. My daughter was double insured. Even on the papers from the Dr office it is clear even after fighting with them that they only billed one insurence. I never received anything from the Drs office. No calls or letters from the collection agency so I had a chance to pay it. There was zero correspondence. So in court I offered to make payments without a judgement. I was just going to resubmit everything to my insurence after all this. But this collection agency wouldn't go down at all and also when I said fine I'll make payments it wasn't good enough for them because they want to put a judgement on my name. So I called on XX/XX/XXXX to just do a settlement amount and they wouldn't even work with me on that. Offering a cash payment of XXXX and was turned down. They are unreasonable to work with. My pro bono lawyer stated the same thing. This whole bill is unfair. It was right during covid which is why im assuming I had no letters or calls to try to take care of it. And then when businesses opened back up instead of giving people a chance they just pile on tons of charges as take you to court. It is absolutely unjust and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I looked on my credit report and seen that I had a debt from this company call rent recovery solutions in the amount of XXXX dollars my rent was XXXX without water sewer and XXXX  control and that was like XXXX dollars all together they would have been put me out if I had owe XXXX dollars my lease was up XXXX the XXXX XXXX I left at the end of XXXX because they didn't fix my roof it was causing mold in the ceiling which was in my XXXX XXXX and in my XXXX  and i was on the XXXX XXXX  and I have XXXX XXXX XXXX I reported but they never fixed it so I left before I end up in the XXXX  I understand I owe for XXXX and XXXX and up to XXXX the XXXX but I dont owe no XXXX dollars thats a false report and plus i always keep my apartment clean I have pictures of the mold and my apartment of how clean it was and I have been requesting documentation of what was owed and no documentation was provided to me before reporting to my credit report and plus I was on XXXX XXXX XXXX  XXXX  so they was paying my rent for me since the end of XXXX up until XX/XX/XXXX I have documentation of this so I need this false report off of my credit
Product: Mortgage

I am trying to get my name of of the mortgage because I divorced in XXXX and my ex has been trying to get the mortgage assumed since XXXX to get my name removed.
Product: Debt collection

XXXX  refused to give me the information that i requested unless i pay the collection first... they said I can pay now than dispute the debt after I pay... I asked them for proof and they claimed they had emails.. I asked them for the emails or the email address and they stated they would not provide that information. I asked them if they could at least verify it was my actually prove that if this was my email address they said they had to prove nothing and i would have to pay the debt that was not mine first than they would provide the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are Portfolio Recovery Acct XXXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.