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

Subject : Dispute of Incorrect Reporting of Charged-Off Accounts Dear CFPB, I am submitting this formal dispute regarding XXXX charged-off accounts being inaccurately reported on my credit reports by the credit reporting agencies ( XXXX, Experian, and XXXX ). These accounts are considered income and should not appear on my credit report under applicable legal and reporting standards. 
Details of the Dispute The accounts in question are as follows : XXXX. XXXX XXXX. " XXXX '' XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX BANK Account XXXX XXXX XXXX XXXX XXXX These charged-off accounts are being reported inaccurately for the following reasons : XXXX. XXXX XXXX as XXXX : Under current legal frameworks, once a creditor has charged off a debt, the amount is considered income for tax purposes, and the creditor typically issues a Form XXXX for the canceled debt. Reporting such charged-off accounts as unpaid debt on credit reports is misleading and causes undue harm to my creditworthiness. 
XXXX. Failure to XXXX Adequate Investigations : I have previously disputed these accounts with the credit reporting agencies, but they failed to conduct a meaningful investigation into my dispute. This failure aligns with recent allegations made by the CFPB against Experian in the article titled, " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ( Source ). The reporting agencies practices have denied me the ability to ensure my credit report is accurate and fair. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they report. The continued reporting of these charged-off accounts as active debt is both inaccurate and a violation of my rights under the FCRA.
Product: Debt collection

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Product: Debt collection

This company Cavalry Portfolio Services has added a debt collection to my credit report. This debt doesnt belong to me. I sent written communication via certified mail on XX/XX/year> for proof of this debt and the company didnt respond. The amount is {$2600.00}. The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Beyond Finance XX/XX/XXXX because they claim they would help me consolidate my outstanding balances, because things were tight and Covid had just started and things were shutting down so I was unsure of the outcome and I was never late on payments I had with creditors. 
I was unaware of the impact it would cause. 
Now, I have many charge offs because They instructed me to stop paying. They would try and settle with the credit card companies and upon completion of the settlement, they would report paid as agreed. 
Throughout the process, I was charged massive amounts of money that off the top was paid to Beyond for fees. The payments agreed to was minimal and some would increase when one was complete. 
However, in XX/XX/XXXX there was a miscommunication and they refunded. 
{$590.00} a portion of my deposit. After speaking to several people there my deposit was put back in the account. 
Once the account was restored thee initial XXXX  accounts fell off. I had been charged $ {$7400.00} in fees settled amount {$19000.00} paid {$8100.00} balance due $ {$11000.00} not to include book fees of {$10.00} ea moXXXX {$14.00} ea mo  ( legal ) and as of today those accounts are still open. 
5 accounts have been paid off.Fees charged {$1500.00} settled amount {$4200.00} When reviewing my credit report all I see are charge off. Some XXXX balance and ones that fell through the crack has me owning much more. I have exhausted myself trying to pay this and to no avail. 
I need assistance. Creditors are still calling several times a day. I forward to Beyond but they are still calling me. I have not stopped as yet because I have invested so much and I have also paid off some of the accounts that were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have not been spoken to. I have all agreements receipts and confirmation of payments. I am tapped out!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown inquiry on my credit report. There are multiple errors shown in my report. Please verify that this inquiry is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this inquiry and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022
Product: Student loan

Calls to MOHELA can not be completed as dialed. There is no way to reach a customer service representative
Product: Credit reporting

Lexis-Nexus had erroneous information on my driving record which affected my Auto Policy through XXXX. I had to file a request to receive the false reporting via their auto system. When it came, and I contacted them to dispute it, I had to wait 1.5 hours on hold to finally get someone. She cleared it up w/ in 3 minutes - but not before I wasted all my time doing this. In addition, my auto renewal policy will become due prior to them correcting their false accusations, so I will have to pay a premium on my policy for renewal. Really, really disappointed. This needs to be addressed as I 'm sure I 'm not the only one being effected by their incompetence.
Product: Credit card

Chase has charged me XXXX dollars for an account that was closed. They refuse to reopen the account and stop the fees. They charged me XXXX dollars in fees already after I told them to stop and give me account information. If they closed my accounts how did they charge me and why all the fees? It is illegal.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

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 has violated my rights .

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I noticed a problem with a car loan from West Lake Financial that had been paid off after an accident was still showing a balance. I tried to get it corrected. They corrected the balance but showed me as being behind over 60 days on that account. The account was never behind and I have the documents to prove it. XXXX made my credit record worse by doing this. I've tried to get it corrected with XXXX, XXXX, and West Lake Financial. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX and the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Product: Debt collection

hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found XXXX  months of a credit card statement from XXXX XXXX that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a XXXX XXXX account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
Product: Checking or savings account

Hi, I received a call from XXXX XXXX on XX/XX/XXXX I thought it was scam callers so I blocked calls nearly Four calls from this number at later I received a call from XXXX he left a voice mail on my number that I am calling from Citibank call us back as unauthorized activity on your account. Soon after he left a message from ( XXXX hi I'm calling you this is XXXX from Citibank ). After a minute caller calls once again so I picked up he introduced himself as a Citibank fraud dept named XXXX Citi XXXX he took my social security number my date of birth, house address, my full card number from Citibank which XXXX XXXX expiration XX/XX/26 CVV XXXX after a minute my Citibank password was changed and I have no clue from there any fraud activity or charges were made the voice sounded like an XXXX call center where they were talking from behind plus coughing, I disconnected the call and called Citibank they said we don't have any issue on yr Bank account plz contact police report as identity theft as it is pretty serious where we don't know what will happen if u don't report any illegal activities might pop up on your name. My Citibank blocked my account XXXX and my debit card, they will be issuing me a new account. 
XXXX XXXX sheriff police report : XXXX The sheriff advised me to contact you guys as it is an urgent and sensitive matter that needs to be taken care of it. 
I would like to request you to catch the criminals as I would like to be on the safe side becz my life just started I don't want any bad remarks which will impact my medical career my Citibank account was hacked
Product: Debt collection

On XX/XX/2024 I called CCS to respond to multiple collection accounts on my credit reports from them. I had never once received a single letter, email, or phone call from CCS in regard to the listed accounts, but was new to collections and was willing to do anything to get the accounts off of my credit report. 

I had researched and found out that many collection companies would cease reporting or delete the data to do with the accounts if a settlement was reached for payment. So when I called CCS, I asked if we could do a lump sum payment on all of the accounts, in order to have them removed from my credit report. The representative responded by telling me that the only way to have them removed, was by paying the collections in full. Ignorantly, I agreed, desperate to have these off of my credit report. 

That same day, XX/XX/XXXX, I paid off all of the accounts with them I had in full, in return for the promised deletion of the accounts, accounts that were never verified. and I foolishly paid as I was horrified of having negative information on my credit report. It turns out the representative lied to me, possibly to get more commission, and the information is still on my report as derogatory and collection charge off accounts, a year later. This has turned into a nightmare for me, and I feel my consumer rights were violated when I was told that making the payment in full was the only way to have them removed from my account. All of the information I provided can be verified with phone records. My next step after this will be contacting a credit attorney and filing suit for violation of my rights in regard to this collection practice by CCS.
Product: Debt collection

Spoke with a unnamed collector at around XXXX XXXX from Portfolio Recovery Associates, about a XXXX XXXX Debt. In the last 7 days, I received several calls about this debt, even though I requested a Validation of debt. At least 3 calls took place in between this time. When I did get on the phone, I offered to settle the debt in order to avoid a complaint with the CFPB or FDCPA. Offer was refused, I then was transferred to the operations manager, a female, and we talked about the communication that proceeded after the Validation of debt. She stated that I had to give them something in writing to stop the communication. I asked her what FDCPA and CFPB have to say about the communication after a validation of debt has been requested, she stated that she I cant get into the legalities of that she refused to answer, than proceeded to state that she will go ahead and place a Verbal do not call on file advised her that will offer her 1 Opportunity to settle what ever balance she is discussing for {$120.00}. At this time, my request was already for a validation of debt, and she seemed to lack the simple understanding that a validation of debt, also serves as an automatic Do not call hence the term Validation of debt she is clearly in violation of the CFPB and FDCPA. I am no longer here to allow credit companies like this 1, to take advantage of people. Collection agencies require more regulation. Unacceptable that an operations manager would yield to not answering a question, about consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / NELNET XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / NELNET XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} A

ll these accounts have been paid in full but still reflect on credit. Remarks ACCT CLOSED DUE TO TRANSFER
Product: Checking or savings account

On XX/XX/24 I was charge 3 overdraft fees of XXXX $ each on XXXX I was charged another fee of XXXX $ and on XXXX I was charge two overdraft fees of XXXX $ each.