23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dispute of Debt Reported by Collection Agency for Account Now Owned by Another Company I am writing to formally dispute the reporting of a debt that is being handled by a collections agency, but I believe the account is now owned by a different company. This is creating an inaccurate representation of my credit history, and I request your assistance in resolving this matter. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Under the FCRA 15 usc 1681 these should be removed. 

Account Information : Original Creditor Name : XXXX XXXX XXXX  XXXX. 
Collection Agency Name : Midland Credit Management Account Number : XXXX Reported Balance : {$650.00} Original Debt Amount : {$0.00} I believe the following issues are present with the current reporting of this account : 1. Ownership of the Debt : The debt is no longer held by the collection agency listed on my credit report. It has been sold or transferred to another company, and I believe the collection agency no longer has legal standing to report this debt. 
2. Failure to Update Account Information : The reporting collection agency has failed to update the credit bureaus to reflect that the debt is now owned by another company, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 
3. Discrepancy in Debt Ownership : I have documentation ( attached ) showing that the debt was transferred or sold to another creditor, and the collection agencys reporting of this account is therefore incorrect. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected or removed from my credit report. Therefore, I am requesting that the CFPB investigate this matter and ensure that the credit reporting agency corrects the account information to reflect the current creditor and accurately report the status of the debt. 

Supporting Documents Attached : 1. Proof of Debt Transfer/Sale ( such as a letter or statement from the current creditor showing the debt transfer or sale ). 
2. Credit Report showing the disputed account and Original debt charged off.

3. Any additional relevant documentation that supports my claim. 

I respectfully request that you review this dispute and ensure the inaccurate reporting is corrected. Please provide me with confirmation once the investigation is complete, and the necessary corrections have been made to my credit report.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters by certified mail to Fifth Third Bank. They are reporting that the account was included in bankruptcy. This information is NOT correct. The account was paid in full and never included in any bankruptcy. Instead of correcting this, they have placed a HARD inquiry on my credit report without my knowledge, consent or authorization. Which now it will take me months to get this fraudulent inquiry removed. They are damaging my credit with their fraudulent reporting. Because they are unable and unwilling to correct the account on my credit report I want it deleted because it is in violation of federal law. I want the hard inquiry deleted as it is in violation of federal law. They have 2 options here delete their slander from my credit report, or go to court and have a judge force them to remove their slander and pay me for damages, plus pay court and attorney fees.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I began making mortgage payments to Nationstar Mortgage Property Servicer, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, after my loan ( with a modification ) was transferred to them XX/XX/XXXX, from XXXX XXXX  XXXX XXXX. All previous mortgage payments, from the date of purchase of my home in XX/XX/XXXX, were made to XXXX XXXX   XXXX XXXX. My bank records verify payments from XX/XX/XXXX through XX/XX/XXXX, to Nationstar, at which time they transferred my loan modification to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX. Nation star has refused to credit my XXXX mortgage payment as a XX/XX/XXXX payment ; and passed my loan on to XXXX as Missing a payment for XX/XX/XXXX ; in spite of records sent to them verifying my payments from XX/XX/XXXX through XX/XX/XXXX. I see this as a scam by Nationstar to pilfer/steal funds from me, by having me pay a second XX/XX/XXXX mortgage note. This behavior is debt collection fraud ; and I seek redress and resolution to this criminal activity by Nationstar.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

XXXX XXXX  loan number XXXX has been paid in full. Credit bureau still showing account as open.
Product: Credit reporting or other personal consumer reports

This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

while reviewing my Equifax credit report I noticed multiple inquiries to my report that I did not make the inquiries in question are Certified Credit Report inquired on XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXX Inquired on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA I contacted Equifax customer service to resolve this issue on XXXX at approximately XXXX hours I spoke to XXXX XXXX and informed him of the issue above. I was told by XXXX that ALL inquiries regardless who makes them are factual and can not be removed. I then inform XXXX that to not allow dispute of inaccurate information was a clear violation of FCRA law. 
I request that Equifax remove these inquiries immediately, I also request documentation to prove that Equifax is acting and maintaining compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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: Checking or savings account

My checking account got hacked into and XXXX was paid to a person I do not know. Chime sent me a text saying something about some was trying to make a transaction for XXXX I'm not to worry they where handling at. Next time I look at my account XXXX was gone. Which left my account empty. I called them and let them know that I couldn't have made that transaction because I was on a plane going to California asleep on my way to identify my son who passed away that week. So they denied my claim. Causing me added stress on the worst day of my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed via registered mail return XXXX  receipt to XXXX XXXXXXXX, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and TOMOCREDIT INC has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.
Product: Checking or savings account

I closed my checking account with Huntington Bank XX/XX/XXXX. After discovering they prevented another payment from going through, causing me to pay another late fee. Also in XX/XX/XXXX, I had gone to the Social Security Office for another matter, when I found that Huntington Bank had told Social Security that I had two checking accounts with them, I never had two checking accounts, Huntington close my checking account then reopened it, why they did that I don't know, I never got the answer. Their actions caused me a problem for me with the Social Security Office,  they thought I was deceiving them, that I had extra money I was trying to hide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

Equifax reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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: Credit reporting or other personal consumer reports

CITICARDS/CITIBANK sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX  and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit and I notice this account thats not my mines reporting on my stuff man and from what Im hearing As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately.. 

DeptedXXXX  XXXX DeptedXXXX XXXX
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : JEFFERSON CAPITAL SYSTEMS Account Number:XXXX XXXX XXXX {$610.00} XX/XX/2022 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$610.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Product: Debt collection

I am writing because I checked my credit report recently and notice a company I have never heard of reporting a collection for over {$12000.00}. I did some research and this company does not even have a license to collect in NJ nor do they have a contract signed by me regarding this account. I demand they review my attached cease and desist and delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person.I am a living human being. I demand the accounts listed below be removed. 

Equifax is govern by 15 USC 1681 : And they violated my rights numerous times of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these 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
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account and inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these account and inquiries and inquiries completely from my credit reports. 

ACCOUNT : XXXX XXXX XXXX  ; INQUIRIES : 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

In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I havent given anyone written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report and it said my social security number did not match my name and it told me I had loans I didn't get
Product: Credit reporting or other personal consumer reports

My FICO is reporting a collections account on my TrasUnion Record and will not remove it even though it is not on my TransUnion credit report
Product: Credit reporting or other personal consumer reports

Experian needs to update the card balance to the XXXX statement. All other credit agencies is reporting the statement balance correctly.
Product: Credit card or prepaid card

I was an authorized user on my mother 's credit card account with TDBank. 

In XX/XX/2019, there was a balance of {$1.00} that was past due. My mom promptly paid off the balance and closed the account with TDBank ( she felt that it was very unfair that her account almost went into collection because of a {$1.00} - likely a rounding error when she made payments on her account. ) She ( and I ) have always paid off our balances every month before, during and after this incident.
Product: Credit card or prepaid card

I've noticed two unauthorized purchases at XXXX XXXX on XX/XX/XXXX and XXXX, the first in the amount of {$190.00} and the second in the amount of {$10.00}. I've contacted American Express, and I've been told to contact the merchant. So I've contacted XXXX XXXX, spoke to XXXX, they have my information and said to keep contact with the bank. Since then, nothing has happened. Now instead of two unauthorized purchases, it says three on the same day. XX/XX/XXXX in the amount of {$140.00}. And two on XX/XX/XXXX in the amount of {$48.00} and {$10.00}. 

The last time I've contacted both companies is when I've had a three-way call with them. ( XXXX of XXXX XXXX and XXXX of American Express XXXX XXXX XXXX then says that they can't do anything without a Transaction ID.