23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency information unlawfully ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I was just looking at my credit report and see some XXXX XXXX that should not be there. Jefferson capital systems is reporting 4 accounts on my consumer reports. These accounts are all under {$500.00} and should have been removed. Also I was never given the proper notice of these alleged accounts or the right to dispute.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit report, I discovered late payments listed on my account. Despite sending letters over XXXX XXXX XXXX, I have not received a response, nor have they provided satisfactory validation of these items. I kindly request your assistance in resolving this matter.
Product: Mortgage

I filed compliant on XX/XX/2018 because I was told upon getting my mortgage that XXXX XXXX XXXX XXXX would be paid for through my escrow. The company responded that they apologized if there was a miscommunication but XXXX XXXX was not included in my escrow but Mr. Cooper would make a one time payment to resolve the issue of the foreclosure lawsuit by XXXX XXXX for lack of payment. I received notice via a letter from Nationstar/Mr. Cooper XX/XX/2018 that the issue was resolved and {$1900.00} was paid to XXXX XXXX. After that I received notice that the case was still set for trial on XX/XX/2018. I called Mr. Coopers respresentive XXXX XXXX on XX/XX/2018 and she informed me that Mr. Cooper would pay the balance that was left over because they had only made a partial payment on XX/XX/2018. She said she would forward the request to the appropriate department. I have called and left several messages for XXXX XXXX. As well as emailed the legal documents per another representatives request ( XXXX XXXX ). Mr. Cooper has not responded to my phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX
Product: Student loan

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 360 Days ago I made a payment on XXXX of my student loans, specifically, I paid {$1600.00} on loan XXXX or XXXX XXXX At this time Edfinancial Services transitioned from XXXX website to another website platform. The payment I made on XXXX XXXX or XXXX XXXX never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a XXXX more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on XXXX XXXX. I never asked or consented for that money to be placed on XXXX XXXX. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SYNCB/WALMART which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/WALMART was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( TRANSUNION, XXXX, AND XXXX ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.
Product: Credit reporting or other personal consumer reports

15usc code1581c-1 under the doctrine of estoppel by silence. Engelhart v graven ( mo ) 281 sw 715,719. i may presume that no proof of the alleged debt nor there fore any such debt in fact exist pursuant to 18 usc 8 lowe no debt this company is violating may consumer right to privacy pursuant to 15 usc 1681-b2 company has no permission to report my information per 15usc 16814. i do not consent to these proceeding without prejudice usc1-308
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate information reported on my credit report by 1STPROGRESS/XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting.

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws.

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.
Product: Mortgage

Due to Covid, my international travel business began losing money. As a result, I entered into a forbearance plan with XXXX XXXX XXXX in XX/XX/XXXX. My payments were suspended from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX that my loan was being transferred to Statebridge Company , LLC. Then in XX/XX/XXXX Statebridge demanded that I bring my loan current or that I would face foreclosure. In the process of communication with Statebridge, I seriously felt XXXX discrimination because of my XXXX immigration status and English speaking accent. They requested that I find an interpreter because they were having difficulty understanding me. With the help of my Realtor who is also a licensed mortgage specialist, Statebridge offered me an 18-month payment agreement. The plan was meant to bring me current by paying for all the payments that were missed during the forbearance plan in XXXX. In addition, the plan would pay for my future property taxes as well as my homeowners insurance. I insisted that I pay for my taxes and insurance separately, however they said that was not an option. I was told by my Statebridge loss mitigation specialist, XXXX XXXX that Statebridge would be paying for these amounts as part of the payment agreement. With this being the case, I agreed to pay {$11000.00} on XX/XX/XXXX. Then I paid {$5500.00} each month for the next three months - XXXX, XXXX and XXXX. My regular mortgage payment was only {$2500.00}, so paying {$5500.00} each month was very difficult. In only four months, I paid Statebridge {$27000.00}. In XX/XX/XXXX, I discovered that Statebridge did not pay my property taxes for XXXX because I received a bill from the county requesting payment. This was very distressing. Despite multiple attempts to contact XXXX, she has yet to provide me with my homeowners insurance information. I found out today, XX/XX/XXXX that Statebridge purchased a forced-placed insurance policy. This is even more distressing. Worst of all, I received a letter from Statebridge in XXXX stating that I owed {$19000.00} and if I didn't pay they would move to foreclosure. I have no idea what this amount is. The letter said I owed from XX/XX/XXXX, however I was not their customer at that time. The payment agreement I established with XXXX was not being honored. My international travel business has not recovered at all, and I have no income. XXXX has been threatening that they would sell my home. I am a single mother. I have to keep my house for my XXXX XXXX XXXX son. So I borrowed money from my mother to keep paying. Due to the deception of Statebridge I fell into a deep financial black hole. Not only have I paid a lot of money, I also face the real possibility of losing my home. I need your help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX XXXX, Transunion, and XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXXXXXX XXXX  - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : XXXX. [ ] XXXX XXXX. XXXX Section XXXX02 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Product: Credit card or prepaid card

JP Morgan and Chase has failed to report the opening of a Business Credit Card Line in which my social security number has used PRIOR TO THE DISCOVERY of my identity being stolen. This is a form of negligence on their behalf. Furthermore, it took me several months to resolve the issue and trying to obtain all banking statements and application documents - basically giving me a circus run around. They have even assigned me two investigators whom did not even bother with the case. When I talked to the supervisor on XX/XX/2020, they told me a subpoena needs to be issued. However, upon doing me research, they did not even mention about FATCA/FCRA. Upon doing my research, the Federal ID summary of writes explicitly states that I have the right to obtain documents relating to fraudulent transactions made or accounts using my my personal information. 

When I discovered the statement of balance due on XX/XX/2020, the balance is {$5700.00} on the letterhead it contained : My Name XXXX XXXX XXXX XXXX XXXX XXXX Address Return payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX They have failed to disclose this to me and I had to pull the Federal Statutes on my own. Furthermore, upon speaking to the fraud supervisor on XX/XX/XXXX, she has failed to disclosed FATCA/FCRA rights ; rather she just told me I must get a subpoena. 

a notice of dispute and arbitration has been ordered and mailed to JP Morgan and Chase on XX/XX/XXXX Local Law enforcement in the ECU crimes unit has also been filed for investigation Due to the nature of confidentiality, I have overwhelming evidence of the perpetrator committing fraud. 

PLEASE NOTE SINCE I NOTIFIED JP MORGAN THEY HAVE CHANGED THE ORIGINAL FRAUDUELENT BILLING ADDRESS TO MY ADDRESS
Product: Credit reporting or other personal consumer reports

While working with a mortgage underwriter to purchase a home, I discovered that my identity had been stolen. Several fraudulent accounts, including personal loans and credit cards, had been opened in my name without my knowledge. Before this, I wasnt educated about credit management and did little to understand my consumer score. This discovery was shocking and derailed my home-buying process, but it also forced me to confront gaps in my financial knowledge. Since then, Ive protected my credit and learned more about my financial health. This experience, while distressing, has made me more resilient and financially aware. Below is the list of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting XXXX different XXXX removal dates within a XXXX  month difference for this XXXX account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results has verified this account as accurate. 

XXXX  results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this XXXX account are INCOMPLETE but XXXX has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this XXXX account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} XXXX : {$23000.00} Transunion : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$850.00} XXXX : {$850.00} Transunion : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} XXXX : {$2000.00} Transunion : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} XXXX : {$23000.00} Transunion : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Is showing a balance of XXXX : {$850.00} XXXX : {$850.00} Transunion : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} XXXX : {$2000.00} Transunion : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.