23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''.

2nd letter from these " People '' today a complete rerun of the letter  sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a scumbag. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an account and don't know who this company is
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to open a dispute online with Experian, but was told to call. I tried calling several Experian numbers, but no phone options ever gave me the chance to select dispute, & could never get with a real live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted documentation to XXXX XXXX, XXXX, XXXX and Transunion indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. 
c/o Equifax Information Services , LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Georgia, USA Dear EQUIFAX INC. , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice
Product: Credit card or prepaid card

Credit card account through Chase bank ending is XXXX have charged me an annual fee of {$450.00} with a credit card limit of {$1500.00} on XX/XX/2019.  This is a violation of the CARD Act of 2009. Called and they will not remove the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on FTC.gov to get my free credit report and from there, I went to Experian.com. This all took place recently, on XX/XX/2020. I am with 3 credit companies yet only one is showing. Only my XXXX account is showing when I am also with the XXXX XXXX XXXX XXXX and XXXX XXXX. Please let me know what information I can provide to help identify my account so we can get this problem resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notice through XXXX that I've gotten an hard inquiry from the company UniversalCIS a company I never heard of as well as the fact I haven't applied for anything new or signed for anything in months. I've tried contacting them but haven't got an answer or any call backs to receive more information or to get the situation resolved. This similar situation occurred on XX/XX/2022 as well with the company Avantus XXXX in which I received no answer or call back as well.
Product: Debt collection

XXXX ( insurance company ) called this debt collector and advised them that is was illegal to place damaging information on my credit report. The collection agency rep was advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider didn't timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as promised.
Product: Mortgage

This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX 

XXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. 

XXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX for XXXX Charge-Offs, Failure to Issue XXXX Forms, and Mishandling of Debt Accounts Dear CFPB, I am filing a formal complaint against XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX handling of XXXX debt accounts, XXXX ( amount {$XXXX} ) and XXXX ( amount {$XXXX} ). I believe that XXXX has engaged in unlawful and deceptive practices that have caused significant harm to my credit and financial standing. 

XXXX. Multiple Charge-Off Reporting XXXX  has XXXX multiple charge-offs on my credit reports for these accounts, which is a violation of credit reporting laws under the Fair Credit Reporting Act ( FCRA ). A charge-off is a single event, but XXXX has XXXX reported it numerous times, severely damaging my credit profile. This misrepresentation of the status of the accounts should not be tolerated. 

Given the egregious nature of these multiple charge-offs, I am requesting the complete deletion of these accounts from all credit reporting agencies ( Experian, XXXX, and XXXX ) XXXX Simply correcting the errors or consolidating the charge-offs will not suffice, as the improper handling of this situation has already caused long-lasting harm. 

XXXX. Failure to Issue XXXX Forms XXXX has XXXX failed to issue IRS Form XXXX for the charged-off amounts, as required for debts over {$XXXX}. These charge-offs should have triggered the issuance of a XXXX, but I have yet to receive these documents. This failure to comply with IRS regulations raises questions about the legitimacy and handling of these accounts. 

XXXX. Continued Collection Efforts Without Verification Despite the accounts being charged off, I continue to receive collection efforts from XXXX without any valid proof of the debt. I have not been provided with : Full account history or itemization of charges. 
A copy of the original signed agreement related to these debts. 
Proof that XXXX has the legal right to collect on these accounts. 
Request for XXXX : XXXX and full deletion of these accounts from my credit reports, given the multiple charge-offs and unlawful actions. 
Investigation into XXXX failure to issue XXXX forms for charged-off debts. 
Confirmation that no further collection efforts will be made without proper verification of the debt. 
XXXX actions constitute a violation of both the FCRA and FDCPA, and I ask that the CFPB fully investigate these practices. Their conduct has caused significant harm to my financial standing, and only the complete deletion of these accounts can rectify this damage. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit card

I had a credit card debt of XXXX. I went through a difficult financial period, losing my job and almost losing a home, because of hurricane damage. I was displaced for a period of time. I tried to negotiate a payment that I could afford and was unsuccessful. Midland credit bought my account. It is now well over {$18000.00}. I have to make $ XXXX/month payments, which I can not afford. I am the head of household with XXXX children to support. I live on my own and now have suffered mechanical failure of my vehicle. As a result of this account with XXXX, I have difficulty being approved for a loan. I can not buy a home with bad credit. My rent keeps going up every year and it is difficult for me to make ends meet. I am divorced and receive only XXXX/month for child support.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reporting of the closed credit card account referenced below, which is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). The account in question is being reported incorrectly by XXXX, XXXX, and Equifax, and I demand that it be immediately deleted from my credit reports. 

Account Information : Account Number ( redacted for security ) : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Type : Credit Card Current Status : Closed ( by creditor due to inactivity ) High Balance : {$580.00} ( XXXX and XXXX ) ; {$500.00} ( Equifax XXXX Last Verified : XX/XX/year> Date Opened : XX/XX/year> to XX/XX/year> Date Closed : XX/XX/year> Balance Owed : {$560.00} Payment Status : Late 60 Days Discrepancies and Violations : Inaccurate Reporting of Credit Limit Under the FCRA ( 15 U.S.C . 1681c-2 ), a credit reporting agency is prohibited from reporting any credit limit for accounts that are closed, yet this account continues to report a {$500.00} credit limit despite being closed. This is a clear violation of the FCRA, as the credit limit reported is no longer relevant after the account has been closed.

Failure to Correct Reporting of Account Status The account is marked as " Closed '' and the creditor 's remarks indicate that the account was " canceled by credit grantor due to inactivity. '' However, the account is still being reported with incorrect late payment information. Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when an account is disputed, the creditor must correct the inaccuracies within 30 days of receiving the dispute. This account contains several incorrect and outdated details, including the reporting of late payments ( 60 days late ), which should not be on a closed account if it was paid off. 

Inaccurate Payment History The account is reported as being 60 days late across all three bureaus, even though the last payment was made on XX/XX/year> for XXXX and XXXX, and XX/XX/year> for Equifax. This inconsistency in reporting dates suggests an error or reporting delay and is misleading. 

Failure to Properly Verify Account Information The failure of XXXX, XXXX, and Equifax to ensure the accounts information is accurate violates FCRA Section 1681i, which mandates that they must correct or delete inaccurate information when the dispute is validated. The creditor has not properly verified the account details, as evidenced by the inconsistencies between the three reporting agencies.

Credit Reporting Post-Account Closure FCRA 15 U.S.C. 1681e ( b ) requires that the information reported is accurate, complete, and up-to-date. Reporting an account as open with a credit limit of {$500.00} when the account is closed and no longer active is a misrepresentation and is a violation of my consumer rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and XXXX stating that the Wells Fargo credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which Wells Fargo is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Product: Debt collection

on or about XX/XX/XXXX I received a letter from CBE group indicating that I owe {$15000.00} to the current creditor listed as XXXX XXXX. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or aboutXX/XX/XXXX I contacted CBE group and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or aboutXX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called CBE Group to request status. I was informed that the case was returned to XXXX XXXX and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to XXXX XXXX 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to CBE Group. 
XX/XX/XXXX ANOTHER call to CBE Group and I am informed that the case was returned to XXXX XXXX. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XXXX  XXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for XXXX XXXX indicates that this scam has been perpetrated on others.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report.

2. Identity Theft FCTUALDTA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

received medical bill from the collection agency national recovery agency mailed a letter to them on XX/XX/2023 called to see if they got it on XX/XX/2023 this is the day the credit agency alerted me that this was already on my credit. I had not received any further notification on the validation of this debt. I am not sure what is going on but they aren't following the cfpb 1006.34., they need to get educated on following the law with each letter and roman numeral.I talked to an agency on XX/XX/2023 to first find out why the account had already hit collections without me getting any validation and it was XX/XX/2023. I want this removed from credit report because their practices are not serving me well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I have been officially verified as a victim of the Equifax security breach and since last summer of 2018, I have faxed, mailed, and called Equifax about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. XXXX and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is Equifax making it hard for a victim to get fraudulent credit accounts blocked?
Product: Credit reporting or other personal consumer reports

I disputed this XXXX account with the credit bureau and they are reporting inaccurate information on my credit report. Attached to this complaint I have circled a couple of the errors that I noticed. I dont understand how the furnisher can report different information about the same account. The credit bureau and the furnisher failed to do a reasonable investigation. Please be aware that the account doesnt have the same information across the board which are factual inaccuracies. The account in question is reporting inaccurately. I have been denied credit cant get a good deal on a house because of this I have been stressed and had many sleepless nights and doctors visits due to stress and XXXX  causing me mental damage.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally demand the immediate removal of a fraudulent closed account from my credit report that has been erroneously and unlawfully reported. This account is in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be corrected without delay. 
I have reviewed my credit report and identified a closed account listed under my name, which I did not authorize, open, or have any knowledge of. This account is fraudulent, and I assert that the reporting of this account is not only incorrect but also damaging to my creditworthiness. 
According to Section XXXX ( b ) of the FCRA, XXXX has a legal obligation to ensure that all information reported is accurate and verifiable. Since this account is fraudulent, it violates my rights under the FCRA, specifically the requirement for accurate reporting. I am requesting the immediate removal of this account from my credit report as it has no basis in reality. 
I demand the following actions : Immediate removal of the fraudulent closed account from my credit file. 
A written statement from XXXX confirming the removal of this account and an updated copy of my credit report that reflects the change. 
If this fraudulent account is not removed within the next XXXX days, I will have no choice but to take further action. This will include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for damages as permitted under the FCRA. 
Please be advised that failure to address this matter in accordance with the FCRA may result in significant consequences for XXXX, including reputational damage and legal repercussions. 
I expect your prompt attention to this matter and a resolution within the XXXX time frame. Please provide written confirmation of the corrective actions taken. 
ACCOUNT NAME : XXXX XXXX ACCOUNT BALANCE : XXXX $ DATE OPENED : XX/XX/2021 XXXX