23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I want to dispute several charges. I call the main line and talked with XXXX on XX/XX/2023. She said she would transfer me to the dispute department. I was on hold for more than 10 minutes. I hung up and spoke with XXXX. He also did not transfer me to the dispute department. I asked him for the phone number and/or address for the department so I can send in my disputes by letter, he said he doesn't know that information. 
I then asked for his supervisor, he said the supervisor is busy and would call me back. He did not specify a time when the supervisor would call me back.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/XXXX  The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

It is nice to have the account re-opened, however, the company did not allow me to remove an abundance of charges accumulated onto the account. They are waiting for some companies to respond. I do not mean to bug people, however, I would like to have my account payments reduced.I am not able to pay XXXX a month. I need to be placed into the Payment Protection Plan again. Discover accidentally charged me over {$2000.00} for XXXX charges since having the account. I never signed up for XXXX  or any other additional services on my account. They tell me that they are only able to see statements from XX/XX/XXXX. They should monitor fradulent and faulty charges from XX/XX/XXXX- XX/XX/XXXX also. How are they able to say that I owe over {$5000.00}?, in charges, since XX/XX/XXXX. What if some of the other charges on the account are fraudulent. Then it is okay to say that I am not liable for a {$5000.00} credit card bill. My credit card balance should be cut into half due to the fradulent XXXX   charges that I did not sign up for. Additionally, my payments should be lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint FULLY disappointed with Equifax. I have submitted now three complaints about the mishandling of an account that is on my credit report. As I previously stated Equifax did not follow the FCRA guidelines in the dispute process nor in the process for furnishers adding items to your credit report. I sent several letters to Equifax regarding account with XXXX XXXXj ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Equifax know that I never had an account with them. Equifax said that they verified the information. I sent another letter asking Equifax to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX XXXX. I then sent another letter to Equifax asking them to show me the process they used to verify this information and who at XXXX XXXX they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Equifax sent me letters saying that the information was verified and other details to the account were UPDATED. It wasnt until I submitted a complaint in the CFPB complaining, Equifax was saying that the account was past due and placed for collection on the same date, that Equifax took the time to get information regarding accounts on my credit report. It was after 90 days that Equifax even acknowledged that there was a XXXX date of delinquency and that I was not nor ever made payments to XXXX even though my balance was changing since this account was added in XX/XX/2020. As a consumer I have the right to a credit report that is 100 % accurate. What is even more disappointing is that EVERY LETTER and EVERY RESPONSE that Equifax has given me regarding this account has all been UNTRUE AND INACCURATE. I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked Equifax to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX XXXX has submitted a record of deletion to the Bureau. This is evidence that Equifax has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account on my report. I expect this account to be deleted IMMDEIATLEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My Identity was stolen in 2020 and XXXX accounts were open via fraud. XXXX, XXXX and XXXX, all have been dismissed with prejudice in court and removed from my credit report. 

However, XXXXOPPSLOAN continues to report erroneous information on my credit reports. I've sent them the police report I filed and FTC affidavit certifying these accounts were opened due to identity theft. 

I'm attaching the information already sent to XXXX/OPPSLOAN and demand they remove this erroneous information from all credit bureaus immediately. 

I demand XXXX/OPPSLOAN provide the picture ID used to open this account. Signed contract, if Esigned, the IP addressed used per ESIGN regulations. 

Failure to provide this information is a violation on FCRA, FDCPA and UDAPP government regulations and may result in future court/arbitration actions.
Product: Credit reporting or other personal consumer reports

We got this vehicle back on XXXX XXXX it has been 4 years and 11 months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to XXXX and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.
Product: Debt collection

On XX/XX/2022 I sent a cease and desist letter to Midland Credit Management to cease all communication with me. The company responded on XX/XX/2022 in a letter that contact would cease. As of XX/XX/2022 there are XXXX new collections on my consumer report by Midland Credit Management regarding the XXXX accounts listed in the letter. 
Per 15 USC 1692a ( 2 ) the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

The definition of the term medium is an agency or means of doing something. The medium in this instance are the consumer reporting agencies. Midland Credit Management are now communicating with me indirectly by reporting these XXXX accounts to the CRA 's and they are violating the cease and desist notice they acknowledged they received. 

Secondly as you can see from the letter sent on XX/XX/2022, although the account number is listed on my consumer report, Midland Credit Management mailed the letter to a different name/individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act says if a company semds information via electronically it says 14 days to allow a responce. 
I received an email from Zion Debt Holdings whixh went into my spam mail. The email only gave me 4 days to even respond to it and then put it on my credit report. 
That is not good practice for a Debt Collection Company to do, not even give me time to respond, make any arrangements to keep off credit, since the email aaid if I dont call or respond in 4 days it will go on my credit which is a threat.
Product: Credit reporting or other personal consumer reports

I sold my home on XX/XX/2023. I called XXXX to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, Equifax, and XXXX etc ... as if I Stopped paying the mortgage. XXXX XXXX XXXX d/b/a XXXX XXXX even sent me a check for a Payoff refund check dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX Ragan & Ragan PC, has continued to willfully violate my cease and desist of communication. They are still responding with no regards to 15 USC 1692c they should not communicate with me except to advise me of their termination of their collection efforts. See CFPB Complaint # XXXX. The FDCPA is a strict liability statute and when debt collectors fail to comply with the requirements of FDCPA they are held liable to {$1000.00} per violation. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). Their continued communication while Im at work has cause great stress and anxiety and poor work ethic and humiliation. These injuries and damages are also causing marriage problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!
Product: Debt collection

Company called XXXX XXXX has ruined my credit for past 4months ... I have disputed it Numerous times ... .that I have no knowledge of this debt ... please help me delete and update my credit file.. 

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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Vehicle loan or lease

I am a XXXX XXXX XXXX XXXX with a vehicle that I've been leasing with through the company I XXXX  for. I've been making double payments each week for the last three weeks and was able to take {$910.00} off of the total balance of my vehicle, which was behind due to my inability to XXXX and make the funds. Back in XXXX I was planning on driving the last week of XXXX into XXXX, only to find out that I could n't XXXX with my registration expiring. While attempting to update the registration, I was told by the vehicle administrator that my name was not on the vehicle. The leasing company never included my name as power of attorney, and after going almost two weeks with them trying to get someone to fax over a power of attorney, I was missing out on my days to XXXX. Luckily I've been lowering my payments with the doubling up every week. On XX/XX/2019, I made payment of {$220.00}, and the company 's rep informed me that my car was in repo status. I have been doing my best making double payments and told the rep that I would have a minimum of {$600.00} paid by next Friday. But they are threatening to take my vehicle. I have been willing and able to make multiple payments and it shows in the system, however, the company refuses to work with me to allow me to make the multiple payments to bring the total down.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I'm the controller at XXXX XXXX XXXX. My employee was contacted on XX/XX/24 regarding a debt. He was given an invoice number and original amount etc. I called XXXX at Biehl & Biehl- and told him, we are happy to pay it but need a copy of the invoice to ensure we were the correct company billed ( as there are mistakes made ) and proof of what was shipped, to whom and when. These are all standard things noted on the invoice. We do current business with UPS every day here and have kept our account current so finding this out made no sense. He stated on XX/XX/24 that he would get a copy of the invoice. I told him once I validated the charges I'd send him a check or let him know who the bill actually belongs to. 

I heard nothing until today. XXXX called me back and lied - by saying he only spoke to my XXXX  person and never heard back from anyone - which indicates an unwillingness to pay. I corrected him because I spoke to him. He quickly remembered and when I told him - that he promised to get me a copy of the invoice and since he has not produced that, he hasn't completed his part of the agreement. He got upset and started yelling at me. At which point I said to him - what would you do if you were contacted by someone out of the blue saying you owed them money but they couldn't tell you what it was for. 

He proceeded to tell me it wasn't his fault and that sometimes the companies make it hard for them to get the information. I told him - that's his problem not mine. If I'm doing business with UPS DAILY - then HOW could they say they were unable to collect from us? 

He then said he'd request it again - and then " we'll call and have this conversation again in 2 months ''. And then promptly hung up. 

How on earth can anyone expect to be paid for something when they can't show why they should be paid and for what?
Product: Credit reporting or other personal consumer reports

Company has violated Family Educational Act of 1974, Privacy Act of 1974, USC 15 U.S. Code 6801 - Protection of nonpublic personal information, and 17 CFR 160.7
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX WFDS Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Citibank Citi Cash Card. 
Citi bank made a mistake on their billing. 
They charged me twice for the same debt. 
I called them and they insisted there were no errors. 
This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. 
I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Office of Child supportXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.