23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ceased and Desist for accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692.

According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously reported as outstanding debt.

Additionally, I have never received a 1099-C form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations.

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information.

Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status.

Explain why a balance is still reported if the account is noted as a charge-off.

Permanently delete this account from my credit report if the information can not be fully verified or corrected.

Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies.

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter.

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.
Product: Debt collection

I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.
Product: Checking or savings account

A total of XXXX was charged to my eppicard throughtout the last few month from places far away from me at XXXX. I put in a claim once i notice and took more then 85 days to respond which i was told was denied because i knew of the charges. which is 100 percent untrue.
Product: Vehicle loan or lease

I put my information into lending tree, not knowing that this counted as an implication. Nowhere in the description did it say that the information I was inputting would count as a credit application, I was under the assumption that I was just going to look at potential rates, not actually open an application. Since submitting my information, I have been bombarded almost non-stop by texts and phone calls from prospective lenders when I was just trying to get an idea of what a rate for a potential refinance for my car would be. I am submitting this complaint because I feel it was not adequately made clear that what I was submitting my info for was an application, rather than just some info to get an idea of what rates would be. The prompts did not appear to be an application, I believe they are purposefully designed to not look like an application to get people to fill them out. Nowhere did I see a consent item that say providing lending tree with my phone number would mean that various lenders would call me. The bombardment of phone calls and texts from potential lenders has been an annoyance, and I would like Lending Tree to better make clear what they are going to do with consumer information when it is typed in.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. XXXX failed to correct these lates numerous times & delete this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not XXXX percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Link expires on : XXXX Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX BANK Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a hard inquiry from XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX. I have not had any dealings with XXXX XXXX XXXX XXXX. This is the third time XXXX XXXX XXXX XXXX g=has made a hard inquiry regarding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

DETAILS IN LETTER ATTACHED UNAUTHORIZED INQUIRIES
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : stop collection proceedings againstme, and send me copies of documents relating to this debt I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send m records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbersusedto activateor accessthe account Signatures on applications and accounts Investigators report Account Name : Account Number : Charge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 TransUnion was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report. TransUnion failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent TransUnion a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed. I also attached my consumer report and labeled 11 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to TransUnion nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

My problem with Chase Bank i refinance my home on XXXX, in XXXX I stop some payments due to a marital separation, i make on Agreement with Chase, for the past 10 years i paying my Mortgage but, still have the same principal balance, and the money that I send is all for the interest
Product: Mortgage

Received check for {$17000.00} from our homeowner 's insurance company for roof replacement because of damage to roof. As instructed, sent to mortgage company 's loan servicer ( XXXX  is the mortgage company, Loancare LLC is the servicer ) for their signature on the check so that the roofer can be paid. Before sending, I called Loancare LLC for the correct address to send to because I was sending via XXXX. Their customer service representative gave me the address and someone at their office signed for it on XX/XX/2020. I included in the XXXX  package a return envelope to me charging it to my personal XXXX  account to expedite the return. I called several times this week to check on its progress, and each time I was told that can't find and that they will not try to look for it. In fact, the third time I spoke with them, the customer service representative told me that she doesn't have the phone number for the office where it was sent - even though it is the same company! They have refused to look for this check, and in the meantime, my roof is in poor condition which can cause damage to the interior of my home. Every moment that they refuse to cooperate puts my home at risk. Even if I ask the insurance company to put a stop-payment on it and reissue, I would have to go through the same procedure with no assurance that they would not lose it again. No one there seems to care about this at all, and no one is willing to help. 
Yesterday, I faxed a plea to their customer service department hoping that someone would respond to it but they have ignored that also. Unfortunately, their office is almost 1,000 miles away from where I live so I can not just walk into the office. I need help urgently because of the condition of my roof - and my roofer will not work until payment is guaranteed.
Product: Checking or savings account

After being their customer for about 10 years, Wells Fargo started charging my checking account a monthly fee of {$25.00} without any notice or reason. I had to close the account in XXXX after they charged a total of {$100.00} in four months.
Product: Debt collection

I have received a letter from ERC o n   XXXX   XXXX   2017   claimin g that ... I owe money to  XXXX   XXXX  and to my recollection I have never used  XXXX   XXXX  in the past and I do n't ever recall having  XXXX   XXXX  at my house in the last 9 years.  <P/> Creditor :  XXXX   XXXX  Original Creditor :  XXXX  Account Number :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   Amount of Debt : {$50.00} Reference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   COLLECTION NOTICE Our records indicate that your balance with  XXXX   XXXX  remains unpaid ; therefore your account has been placed with ERC for collection efforts.   Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease.   Yo u may  be eligible to reactivate your service with  XXXX   XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call  (   XXXX   XXXX   XXXX .   This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus.    Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.  <P/>  View st atements, pay your balance, and manage your account online at  XXXX   Telephone : (   XXXX  )  XXXX  Toll  Free. All calls are recorded and may be mo nitored for training purposes.   Send correspondence to : ERC,  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX  Office Hours ( Eastern Time ) :  Mon-Thurs  :     XXXX   XXXX   XXXX  , Fri :   XXXX   XXXX   -   XXXX   XXXX  , Sat  :   XXXX   XXXX  -  XXXX   XXXX    This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address.     XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX , PA  XXXX     XXXX   XXXX    2017. R e ference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Amount of Debt {$50.00}  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  On the back  Federal Validation Notice Our Corporate Address  ERC  XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Debt collection

My credit report contains accounts that I believe were added without my consent. I request these fraudulent entries be blocked and removed immediately.
Product: Debt collection

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 XXXX, Account number : 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 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

In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. Experian, XXXX and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. Experian removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and experian hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. Experian needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive enrolled in United Credit Education Services for credit repair in XX/XX/2019, they have charged my account every month to provide credit repair .I have yet to see any changes and I am dissatisfied with what services they provided. They mislead me and are continuing to charge my account for unrelieved services. I no longer want to continue with this company.