23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to update how the credit system works. This happens to millions of Americans every year. 
someone pays off a car, personal loan or a mortgage and their credit score takes a drastic hit. Or has a home loan for many years and refinances for a better interest rate. First, people get dinged for a hard credit check for the refinance, then another ding on credit history when the original home loan is paid off. Finances get better but credit scores go down. 
It is possible to put in a new algorithm in place that takes all of this into account. People work hard to pay off loans and even harder to pay them off early. Accounts get closed but just as if someone had a bankruptcy or late payment which stays on for 7 years, on-time & early payoffs should be a positive mark that stays on for a number of years as well. The system should be smart enough to see if someone has paid a long-term loan off or refinanced. 
Everything is a quick ding to credit scores. Credit scores go down quick ( sometimes for no good reason ) and takes a long time to recover. This is fine for late payments, bankruptcy, etc. but not for Americans/Consumers who have worked hard to pay off a loan or harder to pay it off early. 
I am XXXX years old. I have had a credit score over 800. It was XXXX during XXXX of last year and it is now XXXX. There really isnt a good reason either. Ive had perfect payment history, my income debt ratio is very low, I pay off my credit card just about every month. Im paying off my truck loan in XXXX and expect my credit score to drop again. I had a {$37000.00} that started on XXXX. I will pay it off in a little over 3 years. That should be a + for early payoff, not a ding because that loan is closed. ( Possibly just credit history needs a rehaul. ) Derogatory marks can stay on your credit report for 7-10 years ; I do not have any. I've had credit for at least 30 years but yet my credit history says " 5 years, 9 months. If a derogatory mark can stay on for 7-10 years, why cant positive items? And have your credit reflect that. 
Where does this change start? Im sure a post on XXXX and/or some other social media site would quickly gather an overwhelming number of signatures. But would your organization petition or request a possible review/change to the credit bureaus? Or does that need to come from congress or somewhere else? 
In summary, people who work hard to pay loans off and it is very apparent when people have outstanding credit history. Why should consumers continue to get dinged for paying of major loans on time or early? And why does a credit check ding your credit score?  Shouldnt it matter where the inquiry at least comes from? I have 3 inquires from XXXX on XX/XX/XXXX. On XXXX, it counts for 3 and another from XXXX XXXX which may have been from XXXX as well. I have no idea. 

Thank you so much for your time and consideration and hope to hear back. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Debt collection

A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX  XXXX XXXX and XXXX XXXX later discovered was causing the XXXX XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to TransUnion, XXXX and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
Product: Credit card

Received a letter from USAA on XX/XX/year> ( dated XXXX that stated credit card account was closed secondary to not making a purchase in 60 days as per prior notification. No notification was received, either by postal mail, email, text or on USAA website communication account. 

Connected USAA, they agree there is no record of online account documentation, but report a letter was mailed. Spoke with team member and escalated to resolution specialist. 

Have been a USAA member for over 48 years and there have always been multiple communication notices, especially online. 

I realize they can cancel a credit card at anytime, for any reason. But, to claim notice was given, when they can not prove any notice ( online document section ) was given, received or acknowledged seems disingenuous. 

Thank you for your attention to this matter. 

I am a senior citizen if this affects the outcome at all.
Product: Debt collection

I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.
Product: Credit reporting or other personal consumer reports

Since this account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX appeared on report I have been requesting validation. This company has refused to provide validation and has stated that the account was verified. According to the FCRA the company has to provide with validation of this debt. This account is now showing charged off. {$620.00} written off. {$580.00} past due as of XX/XX/XXXX. And the last status updated XX/XX/XXXX with a Balance of {$580.00}. 
Balance updated XX/XX/XXXX.
Product: Credit reporting

I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Equifax has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX XXXX XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine XXXX that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Freedom Mortgage has incorrectly provided credit bureaus with information that I included FM in my bankruptcy. 

The loan was reaffirmed. It has been paid in full. 

My attorney and I have sent correspondence with the Affirmation and made phone calls so many times since XXXX  when I first seen this on my credit report. To date, No one has done anything to correct my credit. 

Now it is keeping me from getting a new mortgage. Their lack of interest in correcting my credit report shows how much they dont care about its customers.
Product: Debt collection

I am in receipt of your letter dated and XX/XX/2021, in response to my letters dated XX/XX/2021, XX/XX/2021, and XX/XX/2021 respectively. I requested debt verification. However, the documents that I requested pursuant to my verification request were not provided. Namely, I asked for a contract or agreement signed by the parties and an itemization of the debt. You failed to provide the requested documents pursuant to my specific verification request to you. I never received such a letter dated XX/XX/2021 containing a legal validation notice.
Product: Credit reporting or other personal consumer reports

Filing a personal complaint regarding late payments on credit record. Review revealed these late payments. Sent letters over 30 days ago with no response received. Satisfactory validation not provided. Requesting assistance for prompt, effective resolution.
Product: Debt collection

OMEGA RMS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. MO XXXX ( XXXX ) XXXX I asked this company for a payment history. As well as debt valuation letter. All the has supplied is a document from an online application. This account is an old account and has been paid in full.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Requesting original contract, creditor information, payment history, and proof of ownership {$450.00}
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credi
t report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out because I recently noticed an unfamiliar credit inquiry on my report. I want to make it clear that I never gave permission to this company to pull my credit report, and I believe this inquiry is both unauthorized and fraudulent. To be transparent, I have not had any interactions with this company, nor have I applied for any services or credit with them. Therefore, this inquiry was made without my consent, and I am requesting that it be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I called Equifax, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me XXXX each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file? 

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now XXXX already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/2024 @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by EQUIFAX, because they could have easily removed it like XXXX did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues 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 lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all XXXX bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs XXXX that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts 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
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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

These accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.