23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After my husband 's death I contacted Bridgecrest on XXXX XXXX, XXXX  to find out what the amount owed on my old auto loan was. I was given am amount of over {$10000.00} and told I could make payments for whatever I could. On XX/XX/year> I received a payoff letter from Bridgecrest that stated the payoff amount was {$1200.00}. I checked their website for option to pay the bill. I then called customer service and told them how I received the payoff letter and was trying to make the payment. The customer service rep advised me that the amount was on the letter was the correct amount and to go to an in-person location to make the payment and the call back with the reference number so they could start getting my credit updated right away. 

I called back after making the payment with the required information. The customer service rep who answered that time seemed confused when I said that I paid the payoff amount. She started " investigating '' the issue. After being on hold for 25 minutes I was informed that there was an administrative error on their part, that the payoff amount was over {$10000.00}, but they were willing to accept the amount paid as the final payment however they would be reporting to the credit bureau as a settlement amount instead of paid in full. Or I had the option to continue to make payments until it was paid in full. 

Since they sent me the payoff letter with the payoff amount, the first customer service rep told me that the amount on the letter was correct while on a recorded phone call, and that was the amount paid, this bill should be paid in full and reported as such to the credit bureaus. I acted on the information given to me. If they made a mistake, then it is hardly my fault. I paid the amount I was told I needed to pay.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureau Dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Request for Removal of Repossession from Credit Report Dear Capital One Auto Finance, I am writing to formally dispute an entry on my credit report regarding a repossession associated with my account number XXXX. I request that this entry be removed immediately, as it is inaccurate and does not reflect the true nature of my account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, you are required to ensure the accuracy and integrity of the information you report. Upon reviewing my credit report, I have found that the balance reported is incorrect and misleading. 

To provide clarity, my account was closed on XX/XX/year>, and I believe that the information currently reported does not accurately represent the status of my account. I kindly ask you to review your records and correct the inaccuracies associated with my account. 

I respectfully request the immediate removal of the repossession entry from my credit report. This information has a significant impact on my creditworthiness and financial future, and I appreciate your prompt attention to this matter. 

Please confirm receipt of this letter and provide me with an update on the status of my dispute within 30 days. Thank you for your cooperation in resolving this issue swiftly. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid Resurgent Capital Services a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with Resurgent Capital Services, they informed me that I could call Resurgent Capital Services to have them contact XXXX about the {$170.00} having been paid in full. Resurgent advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact Resurgent. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by Resurgent, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I m trying to life a current credit Freeze from Experian. The information used to create the account and freeze my credit has changed The original request was from before 2000. In attempting to lift the freeze, I must change the password. To do that I have to receive a text/phone call to the number associated with the account, This number was a land line that has since been disconnected.

I have been navigating the customer support call-in but have been unable to resolve or even speak with a representative.

This is one of the last steps to complete a mortgage and the inability to resolve will cause financial harm.

There needs to be a regulation requiring the credit bureaus to have a number with which a consumer can speak directly with a customer service representative. The fine for offenses needs to be severe enough that the company will not ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.
Product: Credit reporting or other personal consumer reports

My previous dispute was denied. The company stated they received a judgement and served for me the debt which is false information. I was never served anything. I dont understand how they can say I owe a debit to the company yet allow me to open a new card with them? I received an offer for a credit line, opened it then closed it within XXXX  days after reading their shady business practices so how could I owe a debit and you allow me to open a new one? Its unfair and bad practices for them to get away with such matter. The only thing they provided was a letter, never a formal agreement with my signature saying I signed the up for the credit card for the original debit. I am requesting abirritation for the debit for its not valid. I have requested a true bill from them several times and I have received nothing but " this debit is valid "
Product: Credit reporting or other personal consumer reports

On my credit report it keeps showing late payments, but the car has been paid off for years its affecting my credit score and it's making my account look bad
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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
Product: Credit reporting or other personal consumer reports

I have discovered a unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

I've disputed this collection multiple times as it should have been confirmed and it wasn't, Medicaid cards was provided as always and my children 's card was provided and to top it off I was never notified of this debt until a yr and something later as the hospital didn't even send notice so I believe this was sold after a Medicaid payment was taken. Most places notify you within thirty to 60 days of a debt and that never happened. Then this company magically has it on my record damaging my credit with no notice from the original owner of the supposed debt so I believe this is a double dipped debt and it has never been sustained or verified but I guarantee Medicaid can verify the existence the children 's accounts just fine so there's no excuse of it not being charged by the original owner of the services that's supposedly owed. Attaching my XXXX dispute for this account so you can collect the information. The collection is for HMC group I don't know the number but it's out of XXXX Ohio for that phone number is connected to my XXXX dispute
Product: Mortgage

On XXXX XXXX, XXXX I received notice from Nationstar Mortgage, LLC dba " Mr Cooper '' that they had sold / transferred my loan to XXXX XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX ( 8 business days prior to the transfer ). 

The notice failed to meet the requirement of " not less than 15 days before the effective date of the transfer, '' as required by 12 CFR Part 1024 Section 3. The transfer of the mortgage was not covered under an exempted scenario as outlined in the statute. 

I contacted Nationstar dba Mr Cooper multiple times, both via phone and in writing, about delaying the transfer of the servicing of my mortgage as I wanted to explore my consumer rights to not do business with XXXX XXXX as I had previously been a victim of fraud perpetrated by XXXX XXXX employees ( and condoned by XXXX XXXX management ).
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I am writing to dispute the following information that appears on my Experian report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XXXX  and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I received my credit report from XXXX. In reviewing my report I noticed several errors on my report. So after a few days I sent letters to the credit bureaus ( Experian and XXXX ) on approximately XX/XX/XXXX highlighting these errors. Specifically a XXXX XXXX account # XXXX because of obvious errors on the report. They both reported the account but they both reported VERY DIFFERENT information which obviously brings the reporting into question. I submitted a dispute because I am aware that any reporting accounts must be 100 % correct or they must be removed. I submitted a disputed with the information that they both were reporting to show them both the errors. There was OVER a {$24000.00} dollar difference in the high balance ( Experian- {$29000.00} and Experian {$5700.00} ). They both can't be correct. The date of last activity for Experian was XX/XX/XXXX but the date for XXXX showed XXXX The was over a year difference. They both couldn't possibly be correct. The date of the last payment on Experian showed XX/XX/XXXX while the last payment date for XXXX showed XX/XX/XXXX. These are flagrant errors and should've been caught by the bureaus had they done a proper investigation. I submitted a request for their method in verifying these accounts with no response. 

Secondly there is a collection account from XXXX XXXX. I submitted a dispute for this account highlighting the errors in its reporting on bot Experian and XXXX. Date of last activity, Date reported, and others. 

Then in the month of XXXX I pulled a second report and found that the information had not been corrected or removed but it was also listed as NOT DISPUTED. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA and because of this I am having a very difficult time obtaining housing and an auto for transportation.
Product: Money transfer, virtual currency, or money service

XX.XX.2017 A wire transfer was made in the amount of {$20000.00} based on a fraudulent email received by our accounting department. Please see attached email chain.

We contacted Santander within 30 minutes of making the transfer and spoke with a rep whose name we have, who assured us that he would inform XXXX XXXX to stop the transfer. Later that day, our VP contacted the fraud department of Santander and they also assured him that a reverse action would be taken. Two days later, I contacted the supervisor of the wire transfer department and she told me that she generated a fraud claim # XXXX. As of today, no one a

t Santander knows where the money is. I filed a police report and sent a copy to Santander.
Product: Debt collection

I contacted Convergent Outsourcing requesting debt verification via certified mail with electronic return receipt on XX/XX/2022. They have not sent any correspondence since.
Product: Debt collection

I'm getting debt collectors calling almost every day asking to collect on a card that doesn't belong to me and isn't under my name. Sometimes they ask for a different person 's name, sometimes they don't say anything and just hang up. This started happening right after I got a car loan. These are the dates, times, and phone numbers ( different numbers, I'm assuming it's the same company ) : -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX   ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # XXXX ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # XXXX ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT. 

# XXXX ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN XXXX XXXX EQUIFAX XXXX ALSO XXXX DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Per FCRA 611. TRANSUNION did not respond to my request within 30 calendar days. Nor did they send the requested documentation for the following complaint : Ive also attached proof that it was not responded to in 30 calendar days which is a clear violation and lawsuit against TransUnion. Please review all documents carefully as this is my last follow up with out attorney representation. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Transunion Dispute of Debt and Request for Documentation Dear Sir/Madam, I am writing to formally dispute the validity of the debt that you claim I owe. I recently received a notice from your agency regarding this debt, but I believe there XXXX be an error or misunderstanding. Therefore, I kindly request that you provide me with documentation verifying the debt. To ensure transparency and accuracy, I request the following information of the following accounts : XXXX. XXXX XXXX : account number XXXX XXXX. XXXX XXXX XXXX XXXX account number XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Please provide the following : XXXX. The original creditor 's name and contact information XXXX. The account number associated with the debt XXXX. The amount of the debt, including any interest or fees XXXX. A detailed breakdown of the transactions leading to the current balance XXXX. Copies of any agreements or contracts that demonstrate my obligation to pay this debt Im invoking FCRA 611 I understand that under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of the debt. Please provide the requested information within 30 days from the date of this letter. Until proper documentation is provided, I request that all collection activities related to this debt cease immediately. This includes any attempts to contact me by phone, mail, or any other means. I also request that you refrain from reporting this debt immediatley to any credit reporting agencies until the matter is resolved. I would like to resolve this matter amicably and in a timely manner. Once I receive the requested documentation, I will carefully review it and respond accordingly. If I discover any discrepancies or find that the debt is not valid, I reserve the right to take further action to protect my rights. I appreciate your prompt attention to this matter and I look forward to receiving the requested documentation soon. Should you have any questions or require additional information, please do not hesitate to contact me at the address provided above. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.