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

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have identified several discrepancies and errors in my credit report that have been verified by the companies despite my attempts to dispute them. 

Regarding the XXXX XXXX XXXX account, the status of the account is incorrect as it is marked as " open '' instead of " closed '' or " paid. '' Additionally, the original amount owed and the current balance are both listed as {$750.00}, despite the fact that it is not mine, and I have never had any business or financial relationship with XXXX XXXX. Additionally, I have not received any notice or communication regarding this debt before seeing it on my credit report. 

Regarding the XXXX account, the date of first delinquency is listed as XX/XX/2019, which is incorrect. The original creditor name is listed as " XXXX XXXX, '' which is also inaccurate. 

These discrepancies and errors have negatively impacted my credit score and have caused me financial harm. Despite my attempts to dispute these inaccuracies with XXXX XXXX XXXX and XXXX, they have failed to correct the errors and continue to report inaccurate information. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and the FDCPA and delete this account. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Some one applied for these credit cards with out my knowledge
Product: Debt collection

Portfilio Recovery is placing two accounts on my credit report that im not familiar with Account # XXXX and XXXX. Each time I ask for info on debt the send me past due bill and nothing show it belongs to me. They state they are from XXXX XXXX have not had an card with them.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness and its also considered income and must be removed and per publication 4681, a 1099 c should have been issued no procedures have been followed and for that I would like this item removed..I also was sent the title which was the security, This wrongly reported item has caused great detriment to my reputation as a consumer and has prevented companies from extending me credit.
Product: Mortgage

XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX. 

My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property. 

I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.
Product: Debt collection

Southern Oregon Credit Service INC dba Fidelity Collection Service served me a letter on XX/XX/23 with legal action in small claims court to pay two medical bills ( and the company 's fees ) totaling XXXX . After reviewing the notice and speaking with my girlfriend, I found out that this company had mailed a copy of my medical debt, addressed to my girlfriend, at our shared address. She was confused over this because she hadn't accessed any medical care at the places listed in the bill and called the company to clarify. When on the phone with employee- XXXX XXXX , he disclosed the bill was for me not for her, and that it wouldn't hurt her credit. He then tried to clarify if we were married, to which she told him we weren't married ( and still aren't ) and demanded to speak to his manager for disclosing this information to her without us being legal spouses OR my consent. He denied her request and quickly hung up on her. 
She was extremely upset and felt preyed upon and that the letter was worded to be misleading her on purpose. 
There is no way they can legally disclose my debt information in paper AND verbally to someone I'm not married to and haven't given consent to them contacting. I want this company held accountable for breaching the Fair Debt Collection Practices Act Section 804.2 Acquistion of location information stating, " Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any debt ;. '' and Section 805.b Communication with third parties, " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer... ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' on the XXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit profile pulled by XXXX XXXX and XXXX XXXX XXXX, JCPenny is reporting this account as " closed at the credit grantor ''. This information is incorrect. I requested this account be closed because I lost my job. I requested for JCPenny to  activate the clause in my contract that would protect my account from special circumstances. Unemployment was included under that protection. After several attempts for JCPenny to activate that protection, they refused to do so. As a result, my account became delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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  {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} 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 XXXXXXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.
Product: Credit reporting or other personal consumer reports

I can not receive credit reporting from this company and am being denied access to credit and loans. After multiple attempts, I contacted the company and spoke with a representative who informed me that they needed to verify my identity. They asked me all the security questions, which I answered correctly, verified my phone number, and sent me a link to send a copy of my photo ID. I sent this to them, and they said it was not enough and asked me to mail my photo ID and social security card to a XXXX XXXX XXXX I asked them to send me a letter in writing requesting this and the address listed because this is information that, if sent, could make me vulnerable to identity theft, and they refused. I asked if they could email me this information so I had a record of their request in writing, and they refused. I am VERY uncomfortable mailing my identification documents to a XXXX XXXX if they refuse to send me an official request in writing after they send me a text link and send them my photo ID ( driver 's license ). They verified me beforehand with security questions and verified my address and social security number. It is very suspicious that they refuse to send requests in writing to the consumer and block access to credit reports and scores to parties I have authorized ( credit lenders, employers, etc. ) and myself.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX Florida, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. my Identity Theft Report and proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XX/XX/XXXX< AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN # XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XX/XX/XXXX< HOWEVER I WAS NEVER LATE ON THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this correspondence is to obtain your assistance with an alleged debt that XXXX XXXX XXXX is currently reporting on my TransUnion credit report. After discovering this debt, I disputed this with TransUnion. I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by TransUnion credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion is required by federal law to verify- through the physical verification  of the original signed consumer contract of any and all accounts posted on my credit report. Transunion sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which TransUnion is complying with federal law to verify this alleged debt. 

TransUnions failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to XXXX XXXX XXXX on XX/XX/XXXX Returned certified letter to XXXX XXXX XXXX SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel XXXX XXXX XXXX to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

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

I pulled a copy of my credit report and noticed Fraudulent information that needs to be delete immediately. Also, personal information that needs to be updated. 
Pursuant to 15 USC 1681c-2 and 15 USC 1681s-2 these items need to be immediately DELETE AND UPDATED. Please see the ATTCH FTC Complaint XXXX. Thank you. 
These ITEMS NEED TO BE DELETED AND UPDATED WITHIN 4 BUSINESS DAYS OF RECIEPT OF THIS LETTER PURSUANT TO 15usc 1681C-2
Product: Student loan

My repayment terms are wrong. Based on my loan amount, my loans should qualify for 30-year repayment. I've called and e-mailed several times and can't reach them. 

*I called on XX/XX/XXXX on my lunch break and was on the phone for an hour. The rep couldn't help me and said her computer was down. She transferred me and I was eventually hung up on. Full records and call logs available. 

*I then called back at XXXX XXXX ( XX/XX/XXXX ) and was on hold for 31 minutes and could never get through. Full records and call logs available. 

*I sent an e-mail message that same day at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

Could someone please address my question so I can make the CORRECT payments. The current payments are too high. My repayment terms should be 30 years. You are just sitting on your hands doing nothing and all you want to do is try to ruin my credit score instead of facilitate a successful repayment. Full records and call logs available.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed arent mine. please remove them asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX  XXXX account ( Account Number : XXXX ). The report lists a balance of {$330.00}, a credit limit of {$300.00}, a balance updated XX/XX/XXXX, 110 % credit usage, a $ 25 monthly payment, an account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, highest balance {$470.00}, status open, and responsibility individual. The payment history also shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section XXXX. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit reporting or other personal consumer reports

After years of paying cash and not using or apply for anything with my credit, I checked today to see where my score was to purchase my daughter a car and to my surprise my credit reports has tons of incorrect and fraud items. I have contacted all 3 credit bureaus to delete and remove the information.