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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Charge-Off and Request for 1099-C in Compliance with Federal Law To, Credit Reporting Agency, I am writing to formally dispute the charge-off on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, under the Internal Revenue Code ( 26 U.S. Code 6050P ), if a debt has been canceled, the creditor is required to issue a Form 1099-C for tax reporting purposes.

I request that you provide me with the following : 1. A full validation of the alleged debt, including a detailed account history and proof that the charge-off was lawfully applied in accordance with federal and state regulations.

2. A copy of the Form 1099-C if the debt has been canceled, discharged, or forgiven, as required under 26 U.S. Code 6050P.

3. The name and contact information of any third party to whom this debt has been sold or transferred.

If you have indeed written off this debt, the issuance of a 1099-C would indicate that it has been forgiven, and per IRS regulations , you no longer have a legal right to collect on it. Failing to provide this documentation while continuing collection efforts may be considered a violation of federal law.

Please respond to this dispute within the timeframe required by the FCRA ( 15 U.S.C. 1681i ) and provide the requested documents. If you are unable to validate the debt or provide the necessary 1099-C form, I expect this charge-off to be removed from my credit report immediately. 

Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to XXXX  disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -XXXX is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from XXXX on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to XXXX on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that XXXX  received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from XXXX. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to XXXX on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because XXXX should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 XXXXXXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

I took out the loan on XX/XX/XXXX for a XXXX XXXX XXXX, for the amount of {$35000.00} when I checked to see how much I have left on the loan it shows {$34000.00}. It will be a year and a half in XX/XX/XXXX. According to Credit acceptance, I have only paid {$1300.00} off the loan. The way the bank is going when my loan term is over I would still owe them money. I have made payments to Credit acceptance over {$10000.00} and it hasn't taken any effect on the car loan. They are ripping me off. I have made my payments but my balance isn't decreasing.The dealership also hid information from me by not giving me the contract and they signed the contract themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I chose to make 2 payments to cover XX/XX/2020 mortgage payment with additional money going towards principal. On XX/XX/2020 I submitted a payment for {$2200.00} to Freedom Mortgage. I made the second payment on XX/XX/2020 of {$1700.00}. This would be a total sum of {$4000.00} to cover my mortgage payment of {$2900.00} + {$1000.00} towards principal for XX/XX/XXXX. The system interpreted differently and directed all {$4000.00} toward principal bring my mortgage balance to {$420000.00}. I immediately called in and it was modified bringing my total balance to {$430000.00}, but they had reported the balance of {$420000.00}. The next month when my credit report was updated, my credit score went down significantly stating my balance increased for Freedom Mortgage by more than {$2000.00}. 

I submitted a dispute to XXXX  but did not see my credit report updated. I would like my credit score to be updated accordingly. I share the mortgage with an individual and that individual 's credit score was also negatively affected. We both expect this to be fixed with an update to our credit scores. 

I was not delinquent or late on my payment which would have caused a negative impact on my credit score. This was all caused from wrong information being reported.
Product: Mortgage

On XX/XX/year> I spoke to XXXX ( in the morning ) regarding my loan ending in XXXX. During our call I was advised that my loan was placed into foreclosure status and I advised her that it shouldn't have been. During our conversation she and I discussed that the original foreclosure was filed in XX/XX/year>. In XX/XX/year> I sent the reinstatement payment to the lawyer and my loan was reinstated, and the case was dismissed with the courts ( which I have the letter as proof ). At that time Flagstar never updated my account to show that the case was dismissed. She also explained that the attorney fees were charged to my account twice, which were paid during the reinstatement. XXXX also detailed that after the initial filing in XXXX there were no updates on my account ( other than my payments ) until XXXX which is when another [ foreclosure ] case was filed. 

During our XXXX minute call she also explained that the demand letter and my statements have different amounts on them. As well as when an account is in active foreclosure, no payments are allowed to be accepted, and all payments made to the lender will be returned and have to be paid as a lump sum to the assigned Attorney. 

On XX/XX/XXXX I received a noticed saying my loan was behind and at that time I called in and spoke to multiple representatives to understand what was due. I also accessed XXXX  and was able to see that my statement with a billing period ending on XX/XX/year> stated I owed {$1500.00}. That same day I made a payment of {$800.00} and arranged for a second payment of {$800.00} to be processed on XX/XX/year>. I spoke to XXXX for hours to review my statements and the amount that was due. She advised me that once my payment for XX/XX/year> was processed that I call back in or chat with an agent to make sure the payment was received. On XX/XX/year> I chatted with XXXX and she expressed that the payment was received and was held in suspense since it was more than the amount due. 

On XX/XX/year> I called in and spoke to a representative about everything that was going on and they advised that they would put in a request for a supervisor to call me but no one had called ; so I called in again on the morning on XX/XX/year> and XXXX provided me XXXX XXXX email and said he would be the supervisor working on my case. I contacted the law firm multiple times regarding my foreclosure and they keep sending me back to Flagstar ; and each time I reach out to FlagStar no one can provide any updates. 

I have been unable to pay my monthly payment for XXXX and XXXX because of this, and my loan is set to transfer to XXXX XXXX in a few weeks and this is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable Managment Corp. Acct # XXXX In regard to this unauthorized inquiry from this company that had been placed on my credit report without my permission. Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with this company.
Product: Credit reporting or other personal consumer reports

I can't get a reason why my credit score comes up XXXX  and also it won't let me see what creditors and debts that I have. I use experian and i cant even get a credit report sent to me please help.
Product: Mortgage

XXXX XXXX : Stearns Lending , LLC. XXXX XXXX XXXX XXXX  XXXX, VA XXXX Stearns lending took over service of mortgage XX/XX/XXXX. As you XX/XX/XXXX transferred service, effective XXXX XXXX to XXXX XXXX  XXXX dba XXXX XXXX. Notification was received by mail on XX/XX/XXXX, which is 6 days in advance of change. I was not provided 15-day notification under the law. Additionally, no notification or documentation has been received by XXXX XXXX  XXXX XXXX XXXX XXXX as to the terms of the mortgage under their management.
Product: Debt collection

My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork with the FTC and the police and submitted them with my disputes. They have not done the disputes correctly and not attached the paperwork to the disputes. I have not gotten copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC : I settled and paid off a credit card. Payments from XX/XX/XXXX - XX/XX/XXXX were reported as not made, even though I had XXXX and XXXX  XXXX issues that I informed PNC of XXXX The reporting is preventing my credit from being high enough to rent a home. I paid off the card, so the account and months are not delinquent and should not show delinquency. I called again XX/XX/XXXX and PNC told me that they were attempting to collect a debt before allowing me to speak further. I have no debt with PNC. PNC told me that they were not able to reverse the reporting and told me to file a complaint.
Product: Credit reporting or other personal consumer reports

Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. **** Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( XXXX ), {$0.00} ( Experian ), {$1300.00} ( XXXX ). Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, XXXX and Equifax must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX and Equifax lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section XXXX. XXXX, XXXX and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all 3 credit report bureaus to put a credit freeze on my credit report back in XXXX. My phone numbers have been on the DONOT CALL List since XXXX. I have been getting spam calls since XXXX. The past year, I have been politely conversing with these perpetrators to find out why they are refusing to oblige by the DONOT Call List and how they are getting my phone number and personal information. Several of these perpetrators told me they are getting it from TransUnion and especially from XXXX. Also, these spammers are 3rd party and when I would say, yes let me talk to an agent, they patch me directly to the company really selling the product. So, these legitimate companies : XXXX, XXXX XXXX Medicare Benefits , etc are using a 3rd party to get people like me to talk to them. I contacted both XXXX. I have 3 different PIN numbers from XXXX, and they told me the pins are wrong. My password questions are incorrect according to them.. I contacted TransUnion and they played the same game. They do not recognize my pin number from XXXX and my answers to their security questions were incorrect. ( I think I know my own security questions since i selected them ). Now TransUnion billed me for {$29.00} for their Identity Theft. I never placed an order!
Product: Debt collection

The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.
Product: Credit reporting or other personal consumer reports

During regular check of my credit reports I noticed Consumer Adjustment Company posted a derogatory collection account on XX/XX/year> collecting for cashnetusa. 
Multiple FCRA and FDCPA violations from Consumer Adjustment Company.

No idea who they are as I have had no communication or contact from them ever. 
XXXX account just suddenly appeared on credit reports with no chance to dispute. XXXX who they are trying to collect for is a internet lender that operates illegally in XXXX  that I have never dealt with. This information concerning Consumer Adjustment Company and XXXX is being reported to the XXXX  and XXXX  Attorney Generals offices along with the two previous CFPB complaints ( XXXX and XXXX ) concerning two other XXXX  debt collectors and XXXX  posting fraudulent illegal information on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to your company detailing serious errors on my credit report. It has now been over 30 days, and I am deeply distressed to report that I have received no response. This prolonged silence and inaction suggest a potential violation of the Fair Credit Reporting Act ( FCRA ). 

The errors on my credit report are not just inaccuracies ; they are obstacles that jeopardize my financial stability and future. I implore you to act immediately to rectify this situation. Your prompt attention to this matter is not just requested but demanded. 

Please understand the urgency and gravity of this situation. My credit and peace of mind hang in the balance.
Product: Debt collection

am writing regarding an account with the name " RESURGENT/LVNV FUNDING '' and account number ending in XXXX. This account was opened on XX/XX/XXXX, with an original balance of {$680.00}. The account is currently listed as a collection account, and the status was updated as of XX/XX/XXXX. As of XX/XX/XXXX, the balance remains at {$680.00}, and it is marked as past due. 

Concerns : The account has been reported as a collection account with no payments or adjustments made since its opening in XX/XX/XXXX. 
The payment history shows a " C '' for collections each month from XX/XX/XXXX through XX/XX/XXXX, with no indication of partial payments or attempts at settlement. 
There has been no communication from the company about resolving the outstanding balance, and I have not received any offers for payment arrangements or settlements.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter in the mail from my prepaid card, Netspend stating that I had been overcharged monthly fees and as a result they had refunded the difference of the overcharges on XX/XX/XXXX to my card account. I checked my card account, that had been inactive since XXXX and found no refund had been issued. I was in fact charged {$9.00} a month, even though their policy states the monthly fee is reduced to {$5.00} when you have at least $ XXXXmonth in direct deposits, which I did as my payroll was direct deposit to this card account. 
I have made at least five calls to Netspend in an attempt to find out where they issued the refund. The company has told me multiple times they have " escalated '' my issue and I would receive a call back within 24-48 hours. I have never received a call back from anyone. When I call to follow up, I am clearly being given the run around. I have been put on hold for 90 minutes. I have been told the letter is an email scam, however I received the letter via USPS, not email. I have been told their Global Support team reviewed it and came to the conclusion I was not due a refund, despite receiving a letter stating the opposite from their corporate office. Today was my final attempt to try to resolve it with the company directly. 
I did not initiate this refund issue, Netspend issued by XXXX alerted me to the error and are claiming they sent me a refund. I stopped using this card because this company 's customer service and policies caused me so much frustration. I also know the FTC had to get involved with other issues involving Netspend in which they helped consumers receive refunds. I'm unsure if my issue was part of that arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a military star card that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from Military Star Card. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting Military Star Card in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you