23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing regarding my accounts referenced here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00}. 
I recently reviewed my credit report and noticed that the account is listed as Balance Owed, despite it being charged off and the requested issuance of a 1099-C form.

This account was charged off on and I subsequently requested a 1099-C form, indicating that the debt is no longer being pursued and is considered " cancelled debt '' for tax purposes. However, my credit report inaccurately reflects an active balance.

Under the Fair Credit Reporting Act, you are obligated to report complete and accurate information to the credit bureaus. The failure to update my account status, especially in light of the 1099-C form, could be viewed as a violation of this act. 

I kindly request that you update the information with all credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect the charged-off status of this account with a balance of {$0.00}, consistent with the 1099-C form. This update is crucial to ensure my credit report accurately represents my credit history.

Your prompt attention to this matter is appreciated. Please send me confirmation once this update has been made. Maintaining an accurate credit report is important to me, and your cooperation is essential in this matter. 

Thank you for your time and understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that rental income would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the influence of alcohol. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.
Product: Credit card or prepaid card

I am disputing a charge with my credit card company in the amount of {$120.00}. I made the dispute onXX/XX/XXXX and to date, they have still not made a temporary credit on the account while they investigate. I have called numerous times trying to get an update and no one can provide me information. I have asked for a manager to call me back and they do not. I have followed up with supporting documentation via fax and still no responses by Barclays Bank. They are not handling as they should.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate. 
- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. 

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information.

- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information on my credit report incorrectly and twice with XXXX different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. Transunion changed it back to a negative account as well as listed it twice and again with XXXX different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX to resolve the account. 

As proof of my claim, I am submitting excepts from XXXX Transunion credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.
Product: Credit reporting or other personal consumer reports

I sent in a concern about items on my credit report and they did not respond within the required 30 day period, I am still waiting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

They advertise for loans for minorities with businesses. And ask for all kinds of information just to deny you. Even after giving my ein and social security number along with my bank account info. They are very misleading and seemingly using this method to gather information as well as have a direct opportunity to deny a XXXX American a loan to get my business funded and off the ground. They advertise this on all social media platforms and their own website to lure minorities in. Just to deny them. False hope and false advertising.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXXXXXX and XXXX  stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
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 : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$16000.00} 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 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 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 INCCURATE
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 DELETE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Transunion ( see attached letter to Transunion ) regarding a listing on my credit report for XXXX XXXX XXXX with a balance due of {$710.00}. I had made several attempts to contact XXXX XXXX XXXX, however the phone number listed for them on my credit report is no longer in service, as well as a phone number I found for them online. I then tried their website, however the website is no longer active. I have no way of contacting them to resolve this issue, yet they continue to report this account which is negatively affecting my credit ( see attached screen shot from XXXX  credit report ). 

Yesterday ( XX/XX/XXXX ), I received a letter from Transunion stating they contacted XXXX XXXX XXXX  who verified the information on my credit report was accurate.If I can't find contact information for XXXX XXXX XXXX, how was Transunion able to contact them and verify the information on my report? 

I phoned Transunion yesterday after receiving their letter to inquire how this account was verified since they have no active contact information. I requested Transunion remove the account since I have no way of contacting XXXX XXXX XXXX, and have no way of resolving this account. The only solution I was given by the Transunion agent was to submit another dispute. 

Since the number listed on my credit report for XXXX XXXX XXXX is disconnected, and I notified each of the three agents I spoke with about this incorrect error, Transunion is willfully reporting inaccurate information on my credit report in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Vanilla Visa prepaid debit card in the amount of {$500.00} ( along with a {$5.00} purchase fee ) was purchased on XX/XX/XXXXXXXX  from the XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of the card being purchased, there was no indication that the packaging had been altered or otherwise tampered with. On XX/XX/XXXX, I opened the card packaging in order to use it only to discover that the actual prepaid card had been replaced by a XXXX gift card with a {$0.00} balance. It appears that the barcode of the actual prepaid Visa card used for activation at the point-of-sale had been photocopied and taped onto the back of the XXXX store gift card and then repackaged so as to appear legitimate. I immediately contacted the Vanilla customer service phone number on the packaging to report the fraud and ask for a refund. I provided all of my contact and identifying information to the phone agent. I also immediately sent an email to InComm as requested with several photos of the packaging, the purchase receipt from XXXX, and my XXXX  driver 's license. The internal case number assigned is XXXX. 

I've made multiple phone calls to the vanilla customer service line and to the InComm corporate office in XXXXXXXX XXXX  to request an update on the resolution, but have received no substantive response from them. At this time, I'm requesting that a refund in the amount of {$500.00} be immediately issued to me via check and mailed to my postal address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX  XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for Waypoint Resource Group. Nothing has been done about it. They all came back that it was verified. 
WAYPOINT RESOURCE GROUP The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as XXXX XXXX XXXX, formerly XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. 
XXXX XXXX XXXX XXXX Information on this item has been updated. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : Balance : {$17000.00}.
Product: Mortgage

I started having problems with this company last year when they couldn't figure out where to put the extra money I paid for my escrow account. so I received a letter stating there was a shortage so I called and was told if I paid the full amount the monthly mortgage wouldn't change so I did. since I was late reading the noticed I paid {$150.00} for XXXX then I paid regular mortgage {$990.00}, I also paid a total amount of {$1000.00} for the escrow shortage and fees. I spoke to a XXXX XX/XX/XXXX to ask why the money wasn't put into the escrow account she said it was but the statement showed otherwise. so after that I kept getting new charges and my mortgage went up double, I called again on XX/XX/XXXX and spoke to XXXX # XXXX, she informed me that that the extra money I sent was put in a 'SUSPENEDED ACCOUNT ' not put in the escrow, and they were taking money to apply to my mortgage which I was told would be {$1000.00} but since they didn't apply the amount to my escrow they were taking it out of this account each month?? so she said she would put it all in the right account and I still had to pay and additional {$170.00} total me paying {$1300.00} and everything was supposed to go back to the {$1000.00}. which I paid over the phone. but the next statement was like I hadn't paid any of the fees and I get a letter stating delinquent and he said I missed a payment I have never missed a payment in the 16 yrs that I had my house. they are making me late with other bills paying extra money, now I can't refinance because of other payments this has dropped my credit score. I am so disappointed with this company. I want it cleared so that I can refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit reporting agency will not remove fraudulent items off my credit report. Several phone rep from XXXX and American representatives told me no their not going to remove anything. I have submitted my police reports and FTC affidavits. The company doesn't believe in fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute some unknown inquiries on my 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