23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. 

After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX  has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX  investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. 

I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHIEF EXECUTIVE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Respondent XX/XX/2018, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, CONFIRMATIONS # XXXX ; # XXXX ; AND # XXXX.

Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX datedXX/XX/2018. A copy of your statement of report is enclosed.

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Confirmations # XXXX ; XXXX ; and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against the company for similar violations. I request that XXXX be held accountable for failing to meet its obligations under the FCRA and CFPA. I am seeking a full investigation into this matter, correction of the inaccuracies on my credit report, and any applicable remedies for the harm caused by their noncompliance. Additionally, I urge regulators to ensure XXXX implements appropriate measures to prevent such violations from occurring in the future. 

These are the accounts that I have disputed as inaccurate : 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

15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b
Product: Mortgage

My credit is being damaged by false information ( date of first delinquency ) supplied to XXXX and XXXX by Real Time Resolutions ( RTR ). The original debt was a home equity line of credit from XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX, and included this debt. My last payment on the debt would have been about XXXX, XXXX. A few months after I filed Chapter XXXX, XXXX XXXX XXXX sold the debt to RTR. I completed my bankruptcy obligations in XXXX XXXX, and received my discharge in XXXX XXXX. As of XXXX XXXX, the original account with XXXX XXXX XXXX and the public record of the bankruptcy have been removed from my reports by all three bureaus. However, because RTR has provided an inaccurate/false date of first delinquency on this debt ( I believe they are reporting XXXX XXXX ), the account is scheduled to stay on my credit reports for several months beyond the seven year limit. 

On XXXX XXXX, XXXX, I disputed the RTR entry with both XXXX and XXXX, saying the date of first delinquency must be mistaken. As the debt was discharged in my bankruptcy, filed XXXX XXXX, the date of first delinquency must be prior to that date. The XXXX XXXX, XXXX, response from XXXX, is an " update '' on my report saying " The account is scheduled to continue on record until XXXX XXXX. '' Because of this inaccurate/false report, XXXX has refused to remove this negative account from my credit report although it is ( obviously ) more than seven years old. To date, I have not heard a final report on my dispute from XXXX, but I see the RTR account is still on my XXXX credit report. 

As a secondary issue, I would also like to point out that RTR is reporting as a mortgage company, when they are a collection agency.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX  * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete : 1- date reported doesnt match 2- Closed date is incorrect 3- date opened doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.

Thank you for your immediate attention to this matter
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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: Prepaid card

XX/XX/2024 : Contacted Kroger CardHolder Services because the prepaid Visa card that I purchased ( issued by US Bank National Association ) did not have a legible CVV security code. This made it impossible to use the card for purchase online. Similarly, the card does not scan, so it can not be used in stores, either. The customer service representative explained that I must submit a refund through the online portal ( XXXX XXXX XXXX ), however, this was not possible as I did not have a legible CVV on the card. Instead, I was instructed to fax information to Kroger CardHolder Services, which I did later this same day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. It had not been received. I opted to send the fax over again on this day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. This time, it had been received, however, the Kroger CardHolder Services ( on behalf of US Bank National Association ) representative instructed me that one of the items on the fax was not legible. I sent a copy of the information to myself when I faxed it, and verified that everything was clearly legible. At this time, I was told to send another fax with custom settings ( I was specifically instructed to " enlighten '' the image 200 % ). 

At this point, I felt compelled to submit a complaint with the CFPB, as Kroger CardHolder Services does not seem to be making a good faith effort on behalf of US Bank National Association to refund the product which : 1. Did not have a CVV and could not be used online 2. Did not scan, and could not be used in stores 3. Could not be refunded through the web portal due to lack of CVV 4. Could not be refunded through faxed information due to customized image settings At this point, I don't expect I'll receive a refund or get an opportunity to spend the money that is still credited to this useless card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX {$15000.00} To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

Original Advance Money Mortgage of UP TO {$130000.00} was taken XX/XX/XXXX with XXXX XXXX XXXX XXXX, with an amount borrowed payable in full by XX/XX/XXXX. 

In XXXX, XXXX XXXX XXXX  assigned this failed bank loan to XXXX XXXX XXXX XXXX, XXXX Ohio. 
( later XXXX loans went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then ultimately to CITIFINANCIAL MORTGAGE COMPANY , INC. 

We have records showing multiple payments to XXXX for the years XXXX. No reassigments to Associates or Citifinancial are on file with the county. 

We require a discharge of mortgage to remove the lien from the title to sell the house ( hopefully closing on XX/XX/XXXX of this year ), but this finding of lien has put a wrench in this plan! HELP!!!!

As the only company in existence is Citifiniancial, I have made MULTIPLE attempts to contact them at their very less than helpful " service center '' ( an autogenerated email response system XXXX and their very sketchy phone number XXXX ( call it. sounds like someone in a small garage!! ). I have only received an autogenerated responses saying that they do not have a loan on file that matches the infomation and to resubmit information. ( basically the same information regardless of my question being sent to them ) I have tried to go thru a backdoor email ( CitiHoldingsNAMInfoServicing XXXX ) and I am getting them to respond personally, but they only say send your info to the other email address. 

I have made over 20 email requests starting the last week of XXXX, and can not get ANY response other than their autoreply. 
HELP!!!!
Product: Debt collection

Forest Recovery Services has filed a collection notice with the credit reporting bureaus that : ( a ) is beyond the statute of limitation in California- it is a debt owed from XXXX ( b ) falsely claimed in their reporting that the debt is owed from XXXX ( c ) reported an amount that is {$38000.00} more than the debt that had been owed ( d ) did not contact me prior to filing their collections notice ( e ) has caused me to lose more than 40 points of my hard earned credit score and thus not qualify for a home loan because of their illegal attempts to collect a debt no longer owed- thus damaging me financially and emotionally
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid off since XX/XX/2004 and should never have been shown on my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Today I received an email from Experian that my card was declined for payment of their membership. The last four digits of the card and expiration date in the email have never been associated to any of my bank cards. I havent made any changes to my membership or bank accounts and theyve never had issues billing me. I checked my bank account and everything looked normal. When I went online to sign in to my account it wouldnt let me access my account without adding my card information. I called and explained to experian that the card they have listed has never been mine and didnt feel comfortable adding my card again without knowing how this happened. The rep said Im the only one that could have made the changes, and were pushy for me just to put in my new card information. I said the fact that Im paying for a membership to protect my money and credit and this doesnt concern you is alarming.
Product: Credit reporting

Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted from my credit report
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them Experian -address of XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXXXXXX XXXX XXXX  XX/XX/23 -inquiry from XXXX XX/XX/23