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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Illegal Re-Aging & Inaccurate Reporting of XXXX  Secured Personal Loan Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of my XXXX  Secured Personal Loan account on my XXXX credit report. This account was charged off in XX/XX/XXXX, yet it has been illegally re-aged multiple times, with additional derogatory remarks being added post-charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here is a breakdown of XXXX  blatant mishandling of this account : XX/XX/XXXX : Initial charge-off reported. 
XX/XX/XXXX : A second charge-off status was added ( impossible and illegal ). 
XX/XX/XXXX : A 150 days past due status was added to an already twice-charged-off account ( which is not only inaccurate but fraudulent ). 

Let me be clear : a charge-off means no further payments are due, and a creditor can not continue reporting additional late payments or new charge-off statuses. This is a clear violation of 15 U.S. Code 1681s-2 ( FCRA ), which prohibits furnishers from reporting inaccurate or misleading information. Additionally, this conduct constitutes unfair and deceptive trade practices under 15 U.S. Code 45 ( FTC Act ). 

XXXX has already investigated this account multiple times, yet you have failed to correct this clear violation of my rights. Your failure to conduct a reasonable and thorough investigation, as required under 15 U.S. Code 1681i, has caused irreparable damage to my credit profile, affecting my ability to secure financial opportunities. The time and effort I have spent correcting this reckless inaccuracy is beyond repair. 

Given XXXX  ongoing litigation for mishandling consumer data, I demand immediate deletion of this account from my credit file. Failure to comply within 30 days will result in legal action against XXXX for willful noncompliance under 15 U.S. Code 1681n, where I will seek statutory, actual, and punitive damages for the harm caused to my credit and reputation. 

This is my final notice. I expect written confirmation of deletion. If not, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further legal action. 

Attached, you will find a copy of my credit report highlighting the disputed account and supporting documentation. 

Sincerely, XXXX XXXX XXXX, trustee [ Attachments : Credit Report Excerpt, Supporting Documents ]
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 tried to upload the document to remove the fraud alert from my credit report online, but it is not allowing me to do so.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate dispute for collections on report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report from a XXXX XXXX XXXX XXXX and/or XXXX : XXXX XXXX XXXX   XXXX. I have previous disputed this fradulent report a few years back in which I waited more than 30 days but eventually it was removed. Well this scamming fraudulent collector XXXX sold their accounts to XXXX XXXX XXXX XXXX or vise versa and now today XX/XX/XXXX it has now re apearred. As i stated above i have previously went through the annoying drawn out process with both transunion and XXXX a couple years back but today i have yet again disputed this fraudulent so called debt with Transunion in which i was told they just report whatever the collectors say without following up or requiring proof from the creditors. I am the consumer who has to suffer when this happens until the problem is fixed. Everything nowadays requires credit of some sort. I was planning on getting a house which now i can no longer get because of this fraudulent report by transunion and XXXX. I want justice. Tbh im thinking about sueing. Years back when i disputed i was told to call the creditor because there was nothing they can do they just report. Yeah they do. Anything and everything and then try and refer you to their website and tell you to put a lock on your credit report in which they try to bill you. Its as if they allow fraudulent creditors to place fraudulent report on your credit report so that they can make money off of you. But i refuse. This is illegal! Everything i have ever owed i have paid in full if not more than what was borrowed in " XXXX XXXX XXXX XXXX '' Which was a government overpayment. In which i was charged taxes on but had to pay back. So i also want either a tax credit for the difference or my money back. Period. I have proof and would like that issue solved as well. The overpayment was XX/XX/XXXX- XX/XX/XXXX. But as i already stated there is a fraudulent report on my credit report that i keep having to dispute and is causing tons of emotional and financial damages. It should not be legal for a fraudulent creditor to sell fraudulent accounts to other creditors and still conflict more emotional and financial damages. I am fed up! Please do something about this before i pursue a lawsuit on any and every party involved in these matters.
Product: Debt collection

Dispute was filed with company XX/XX/2020 and collection agency has failed to removed account from my credit report. Total amount of debt it {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX.

2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX  and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.
Product: Debt collection

Dear LJ ROSS and Associates XXXX XXXX - Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history. 
Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.
Product: Credit reporting or other personal consumer reports

I am assuming you are the proper XXXX XXXX XXXX affiliated with corrupt XXXX XXXX XXXX and XXXX. XXXX XXXX of XXXX XXXX XXXX in the same community that prior to any conflict with my mortgage broker chase YOU paid my taxes in XXXX XXXX XXXX  and Why? 

Whatever action of all involved would be fraud in support of illegal XXXX immigrant XXXX XXXX XXXX fake XXXX XXXX and XXXX a fake doctor I reported as XXXX to XXXX. Stole my identity under my loan XXXX using a fake loan from XXXX XXXX of XXXX XXXX XXXX  as XXXX for XXXX and then cash XXXX chase escrow account checks at XXXX XXXX XXXX XXXX and reported Forgery to XXXX XXXX XXXX XXXX as XXXX. 

XXXX announced XXXX  - XXXX XXXX  Resolve date XXXX. 

XXXX confirmed my loan XXXX paid in full XXXX around XX/XX/year>. Includes XXXX  XXXX # XXXX So explain why did you pay taxes at XXXX XXXX XXXX XXXX MI XXXX?
Product: Credit card or prepaid card

ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO CLOSE MY LOWE 'S CREDIT CARD ACCOUNT. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY LOWE 'S ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ONE ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP FAST. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH SYNCHRONY ( DISCOUNT TIRE ) TO PAY THE ACCOUNT. BUT BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY LOWE 'S ACCOUNT FOR HOME REPAIRS, APPLIANCES AND OTHER THINGS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE FROM THEM. I HOPE YOU CAN HELP. THANKS
Product: Debt collection

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There is a website called mohela.com that is very similar to the official student loan servicer website ( mohela.studentaid.gov ). I tried to register for an account, but was on the fraudulent website. During this process, I inputted my SSN, date of birth, name, phone number, and email address.
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXXAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/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

I would like to dispute off inaccurate accounts listed below : EQUIFAX : 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 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 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: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transaction was in feasible. The CFPBs findings indicate Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving there user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about our consumer safety
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 have contacted Experian on several occasions in attempt to gain access to my credit report and my credit score, however they are stating that I do not have one generated because all of the lenders I have accounts with are not reporting to them. However, I have contacted all of the lenders and all three of them ( XXXX, XXXX XXXX, and XXXX XXXX ) all have verified that have been reporting to Experian for the last two years. When I pulled up my other credit reports with XXXX  and XXXX  all of my accounts are being reported, so this must be something going with Experian. I have tried to explain this to Experian and they refuse to help and find a resolution. Because of this situation, I am unable to get my true fico score from MyFico because they stated that Experian is giving them an error when they request my file from them.
Product: Debt collection

I have sent 4 certified letters and 2 regular mail letters asking for information and validation of debt and the company has refused. I received one note from them and I got it on XX/XX/21 and it had nothing in it that I have been requesting. My credit report came in this morning and it carry 's incorrect information on all levels. This account is under a ceased order and is still being reported and discussed without proving to me this is my debt and WHY. Since this has happen it should be removed.
Product: Debt collection

I recently reviewed my XXXX credit report which indicated two collection accounts from Jefferson Capital Systems , LLC in the amounts of {$850.00} and {$540.00}. The alleged original creditor is XXXX. According to my records, I did not receive written notice of the debts from XXXX XXXX XXXX XXXX XXXX, and my right to dispute under the Fair Debt Collection Practices Act. As a result of their most recent actions, I have suffered great harm to my credit score as a result of these alleged debts being reported as collection items. Please note that I have filed a previous complaint against Jefferson Capital Systems , LLC in 2015 ( XXXX ) about the same issue regarding written verification of the debt and the right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get credit from a bank and they can not get the Experian report without approval but they don't provide a phone or any way to establish that approval. The bank noted that this lock was on for a year and was supposed to expire last month, XXXX, 2021. I am not familiar with the lock feature but I believe it is the paid XXXX feature. But I am not a paid subscriber to Experian. I go onto my online account and there are no alerts and no freeze on my Experian account. I have been calling their various phone numbers and they all lead to a message system that directs you to the web site. When asking for an agent the system says there are no specialists available day after day over the last week. So I have a problem that can not be resolved online or over the automated system and there is no way to speak to a person to find out why they are not allowing the bank to get my credit report. Experian is interring with my ability to establish credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking through my XXXX XXXX I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call me.
Product: Payday loan, title loan, personal loan, or advance loan

On the XXXXXXXX XXXX I believe I received a call from a number I didn't know I called it to see who it is and what it's about and the lady was rude and was telling me they are charging me with fraud and I have to pay XXXX because they are tracking me down. I asked her if she can can provide me with proof because I don't know what going on because she wouldn't tell me where she was from all she mentioned was speedy Cash and they are from somewhere in Georgia I believe she said. She's looking for me well I was trying to explain about my health problems and I'm going thought a big money hardship but she didn't care. All I was asking for was some kind of proof it is mine. They even said they will come to my work and my house... She wanted my SSN, birth date that's ok but I need to know your not trying to scam me.

Thank you for your time she just really stressed me out really bad. The lady I talked to said she was hired to find me but I'm not sure what that means.
Product: Mortgage

I have spoken with this company on the following dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. These calls are happening during the time in the morning and afternoons. I have asked this company beginning on XX/XX/23 call to take me off the list along with the above dates after this and I got told by the representative from CCM ( Cross Country Mortgages ) that I will be taken off the call list and I have been still getting calls, they are happening more and more and they still don't listen. I have also told them I am not interested and take me off your list as I will never refinance at this point in time.
Product: Debt collection

I have no idea of any debt owed to this company or ever had any insurance associated with the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see my accounts in detail. This is false advertising since this Credit Report is designed to show your accounts in order to review for any discrepancies. I requested on numerous times to be transferred to a Supervisor but the Representatives refused or made excuses that there's no Supervisor on Staff ( i.e. Representative " XXXX '' who I spoke to today ). I am requesting that the Credit Report detail my accounts and for a Supervisor to call me back on this issue ( my cell # : ( XXXX ) XXXX. 

Your support is greatly appreciated in this matter. 

Regards, XXXX XXXX