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

I am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. 

Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my credit score and overall financial health. 

I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
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 XXXXXX/XX/XXXX
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  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018 I received an email that someone was trying to access my account from unauthorized computerI immediately contacted my bank Wells Fargo ask them to place a freeze on my account which day did they said the only way to access my account would be too coming to the local branch and do transactions that wayI thought everything was fine few days later someone went in my account and sent my account into the negative {$1000.00} Wells Fargo said they would investigate it would take up to 90 days after their investigation they closed my account and trying to hold me responsible for the money taken out of my accountafter research I found it Wells Fargo has done this to several other people in the New York area this is not the first time that they've done this
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following, but they have failed to provide it. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry, and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I went to XXXX XXXX in XXXX IL to cash a check for cash to go and wash clothes and my check was declined by this bunch of crooks XXXX XXXX XXXX who I have reported for the same in the past as gave thousands of others but they continue to stalk, harass and report incorrect information on myself and thousands of others across the country to prevent us from being able to have access to our accounts or use our funds!!!! Contact them now and make them remove my information from their system!! I am also contacting a lawyer about suing them!!!
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and my wallet got stolen with all my personal information. I contacted the credit agencies to inform them of incorrect and fraudulent information i noticed on my consumer report but they are still reporting these fraudulent accounts and addresses.
Product: Payday loan, title loan, personal loan, or advance loan

I have attempted to pay off a loan with Monterey Financial. I have used multiple checking accounts, I have tried paying with a credit card, debit card and they will not accept my payment. Each time it takes 2 days to process the payment, and then never send an email to notify me that the payment did not go through so I have to call them to find out. They will also not send me a reason why payment was not accepted other than saying that Im entering the wrong information which is not true because I am double checking before I submit payment. I am now overdue with no way to pay and interest keeps compounding. They were automatically drafting payments using the same exact I account I used to try to pay off the loan. I believe they do not want me to pay off the loan so I keep having to pay interest. There is something shady going on. I have perfect credit and now stressed about it affecting my credit score and the company is no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. " TransUnion LLC Consumer D.C. '', is in violation of 15 USC 1692g.They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.Therefore, the following accounts must be delete from my report immediately 1 ) XXXX- # XXXX 2 ) XXXX  XXXX XXXX XXXX XXXX 3 ) XXXX XXXX CARD SERVICE- # XXXX 4 ) XXXX XXXX- # XXXX 5 ) XXXX XXXX- # XXXX The reporting of these account ( s ) are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its reporting as a collection. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its reporting closed. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Charge off a bad debt These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Debt collection

PORTFOLIO RECOV ASSOC/ ACCOUNT Original creditor : XXXX XXXX Balance : {$1100.00} Balance updated :XX/XX/2023 OPENED : XXXX XXXX XXXXXX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 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 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. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :
Product: Debt collection

THRU CREDIT MONITORING SERVICE OF XXXX I WAS NOTIFIED IN XX/XX/2021 THAT A COLLECTION HAD BEEN PLACE AGAINST ME FROM IC SYSTEMS. THE ORIRGINAL CREDITOR WAS XXXX  XXXX. 
I DISPUTED THE ACCOUNT WIT XXXX. THEY SENT INFORMATION TO CREDITOR TO VERIFY THE INFORMATION, CREDITOR AGAIN CONFIRM IT WAS MY ACCOUNT. I CALLED THE CREDITOR PERSONALLY AND THEY CONFIRMED THEY COULD NOT FIND AN ACCOUNT THAT MATCHED ANY OF THE FOLLOWING ; NAME, DOB, LAST 4 OF SSN, ADDRESS, EMAIL. IN FACT THEY CONFIRMED THE ACCOUNT IN REF WAS FOR SOMEONE WITH SIMILAR NAME, BUT LIVED IN NY. I AM IN MD. THE CREDITOR RECOMMENDED I DISPUTE AGAIN. WHICH I DID. XXXX SAID THE CREDITOR CONFIRMED THE ACCOUNT ONCE AGAIN. I CALLED AGAIN, THEY ONCE AGAIN CONFIRMED IT WAS NOT MINE. SO XXXX IS DISPUTING ONCE AGAIN FOR THE THIRD TIME. THE ACCOUNT # XXXX THE NUMBER FOR IC SYSTEMS IS XXXX XXXX XXXX
Product: Debt collection

in relation to complaint # XXXX I have been divorced for XXXX  years, there should have been no reason for my ex husband to be contacted. It takes XXXX seconds to take the company name and XXXX it to see that this is a debt collector. This to me violates my privacy to people who should not have had any right knowing what phone calls are regarding. The people who were contacted by this company were not listed as people i know in any scenario with the original creditor. I would like to know where the list of names came from before I get my lawyer involved.
Product: Credit reporting or other personal consumer reports

Credit reporting is a form of Collection strategy. I DEMAND ANY AND ALL credit reporting Cease IMMEDIATELY as you are in violation of 1692e ( 8 ).
Product: Credit card or prepaid card

Bank of America purposefully and knowingly reported incorrect account information regarding my personal credit account. I have documentation showing that they would mark it as paid in settlement, however they have listed it as a charge off. 
I paid the account off for a settled amount in XX/XX/2022. 
I have a letter on Bank of America letterhead stating that it was paid for an amount less than the full amount, and that the account would be listed as paid for less than account total. 
My credit report shows that it is listed as a charge off for the full amount. 
I have filed with the appropriate credit agencies, however this is a purposeful and malicious action on the part of Bank of America to destroy my credit as evidenced by the amount of time that this has been left incorrect.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an error regarding one late payment on an account that I paid on time. 
Account Name XXXX XXXX XXXX Account Number XXXX It is crucial that the information reported is accurate, and I am requesting your assistance in addressing this matter. Another inaccuracy is the Time Of Payment Reporting ono each credit bureaus is reporting different on each report. XXXX, 30 days past due, XXXX 60 days pass due, Transunion 30 days pass due I have included a copy of my credit report highlighting the late payment entries dated XX/XX/year>XXXX  Please investigate and provide supporting documentation to verify these payments were late. If no evidence can be provided, I ask that these entries be promptly corrected to show an on-time payment history. 

I appreciate your attention to this issue and look forward to a resolution. Please feel free to contact me if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) fraudulently obtained a contract from me. My husband and I attended a seminar with XXXX about the purchase of a Timeshare. After the presentation I told the salesman that I was not interested in purchasing a timeshare. My husband on the other hand stated he did want to purchase the timeshare. My salesman stated that the contact would be in my husband name only. He stated I had to sign the contract because we were married. This timeshare was never on my credit when the payments were being made, and now since my husband wants out of the timeshare they are now reporting this information to the credit bureau. I did not authorize this contract. The company fabricated the things that you could actually do with a Timeshare. This company has been reported multiple times to the XXXX XXXX XXXX  for some of the same reason. I have reached out to this company multiple times to try to resolve this matter. Their response is only to pay thousands of dollars to them and even then I will still be in a contract that I did not consent to. I have attached a copy of my FTC report, proof of identity, proof of address and a dispute letter. Thanks for helping with this matter
Product: Debt collection

A collection agent named Deville Asset Mgmt just reported a {$5700.00} collection account on my credit report. Prior to the appearance of this account on my report, I received no correspondence from Deville Asset. I should have received a 30-day notice to dispute, which i did not, which is a violation of the Fair Debt Collection Practices Act. Furthermore, the original creditor ( XXXXXXXX ) has already reported negative information about this debt for seven years, so a new reporting of this same debt is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.