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

XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. 

The issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. 
XXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. 
XXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. 

I am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. 
A thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. 
Written confirmation of the resolution of this matter. 

I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

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

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments tor the accounts that i have included screenshot inside this complaint in on dates of [ Mo/yr ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Equifax ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX Inquiry : XX/XX/2018 Credit Unions  ( XXXX ) XXXX 2.XXXX XXXX   Inquiry : XX/XX/2018 Credit Unions ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018All Banks Contact the inquirer : MAIL ONLY 4.XXXX XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. Contact the inquirer : MAIL ONLY 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 All Banks ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received the phone from XXXX so this account was never activated. I report it few times to them and advised to claim to carrier for lost the package and forward the claim information to XXXX so they can close the account without impact my credit. 
I even received the ticket number from XXXX after I talked to few supervisor. 
However I found that they report to Experian as I still owe them the money for the phone that I never received. 
Here is detail on my Experian credit report. 

XXXX XXXX Account Name XXXX Account Number Cell Phone Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$3000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$3000.00} Original Balance {$3000.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$3000.00} Balance Updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the fraudulent account it was removed from my XXXX Credit reports The fraudulent charges are still being reported by XXXX. Ive filled a report with XXXX and the collection agency. My score went back up but the collection account is still on my record.
Product: Mortgage

I completed my trial payments for modification with Ocwen. After completing the modification and approval process I called for the pay off. I lived out of the state of Georgia and hired a real state broker. Due to fraudulent activities the sale did not go through. Ocwen/PHH  and or XXXX XXXX  foreclosed without notifying me. I now have in possession copies of fraudulent documents stating I sold the home, stating I lived in the Midwest and was notified of a foreclosure despite not being behind. Because the home was sold and I was denied a loan on XX/XX/22 because of my previous home XXXX XXXX XXXX XXXX GA XXXX I am asking for the satisfaction and release of title ASAP. The documents loaded in the countys website show creative fraud in securing my property.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of the formal complaint submitted to the Federal Trade Commission ( FTC ) to further support this claim. This document highlights the absence of my authorization for these inquiries and underscores the insufficient response provided by the credit bureau, reinforcing my request for the immediate removal of these unauthorized inquiries from my credit report. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2018. I contacted Halsted Financial Services, LLC at XXXX regarding a collection letter sent on behalf of XXXX XXXX XXXX dated XX/XX/2018. I spoke to XXXX XXXX, and asked him did he receive my dispute and request for validation sent by fax. He stated that he received it on XX/XX/2018. Then he informed me that once they receive a dispute they send it back to XXXX XXXX XXXX and close out the account as under dispute. He said that he sent the letter to XXXX XXXX XXXX on XX/XX/2018 asking them to follow up on the dispute.

XXXX XXXX XXXX whom Halsted Financial Services, LLC had as a client, without validating the account placed it as a collection item on XX/XX/2018 only 7 days later while in dispute. Therefore, violating my consumer rights to dispute the validity of a debt within 30 days in writing and obtain documents relating to the dispute.

In addition, having a Fraud Alert on my account on all 3 Credit Bureaus, I have the right to obtain documents for validity of this debt from a debt collector. It was not given to me.
Product: Mortgage

Mortgage was transferred from XXXX XXXX  to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX transferred mortgage to Madison Management XXXX XXXX. 
Requested mortgage assistance and mortgage correction to escrow for taxes, hazard insurance. Servicer is not escrowing for taxes insurance I have been paying the property taxes, insurance for my mortgage. Previous XXXX mortgage servicers stopped paying taxes insurance since the transfer. The servicers changed my mortgage deed, note terms of my loan. Madison Management services recently tried to foreclose on my home. 
Requested mortgage modification because of my husband death to lower my mortgage payment.
Product: Mortgage

On XX/XX/XXXX I started a refinance with Loan Depot ( XXXX XXXX ) and was given a quote and he asked for money upfront for appraisal and credit report. He then told me that my appraisal would be refunded at the close. With all the estimated closing statements I asked about the refund and they told me that would happen at close. We finally funded on the XX/XX/XXXX and there was no credit for the appraisal. I have called the LO several times and he does not return calls or emails. After filling out their survey I did receive an email that said my appraisal was credited but when I asked where they said page 2. There were no appraisal credits on any page. I am just trying to get them to honor their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My  account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

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

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are  required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an
d no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

On XX/XX/XXXX, Ive received correspondence from Wells Fargo XXXX XXXX XXXX XXXX, expressing Account Origination and status. 

I am continuing to seeking resolution in this matter, by way of Good faith. please see attachments. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX
Product: Credit card or prepaid card

American Express Hilton Honors 24-hour customer service XXXX refused to dispute a charge. The charge I want to dispute is for our ( my family and I ) Hilton XXXX in XXXX XXXX XXXX XXXX XXXX  stay, confirmation # XXXX. 

Hilton said we would receive a total refund of {$740.00} but we only received {$370.00}. Please see Exhibit A Hilton Corporate and Exhibit B Hilton Corporate. 

I reached out to American Express Company at XXXX on XX/XX/2023 to no avail. Please see Exhibit C American Express Corporate. 

Photos from our stay are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX XXXX  XXXX  XXXX  opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX dob : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.
Product: Debt collection

I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.
Product: Checking or savings account

On Friday, XXXX XX/XX/2023, I logged in to my Navy Federal Credit Union and funds were missing. There were unauthorized transfers to XXXX XXXXXXXX XXXX XXXX-Checking Account ending in XXXX, under XXXX name XXXX for the total amount of {$9900.00} ( Two unauthorized transfers : {$5000.00} and {$4900.00} dated XXXX XX/XX/2023 ). Immediately contacted the NFCU Fraud Department & they froze my account. The agent explained that my computer was hacked and the signing was directly from my computer. NFCU XXXX Claim # XXXX dated XXXX XX/XX/2023. XXXX XXXXXXXX XXXXXXXX XXXX  Checking Account was closed after withdrawn of the stolen money. On Sat, XXXX XX/XX/2023, I filed a police report being a victim of fraud, identity theft, hacking into my computer and stole money from my bank account. XXXX XXXX Police Station Report # XXXX. Identity Theft Report # XXXX. Also, submitted an FBI IC3 report and an alert on all Credit Bureaus with a freeze # XXXX. Within four days of my fraud claim, the NFCU denied it. What investigation could have been conducted? Who was involved? 
I did not authorized those external transfers and never received the email notifications from the institution. 

The money stolen were part of my life savings, XXXX of honorable military service to this country. A debt that can never be repaid. As a disable veteran, I'm devastated. I have not benefited from the unauthorized transactions, neither had previous knowledge because the hacker deleted the emails from my email account. This money is for my retirement, years of hard work. I'm depressed and emotionally effected with this situation. Please help.