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

Re : Dispute of Inaccurate Information on Credit Report XXXX Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX  on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Account Name : XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off and subsequently sold, yet the original creditor continues to report it, despite the purchasing company ceasing collection activities. This violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. 
I have submitted this in a previous complaint. 

Balance and Past Due Amounts : The balance is reported as {$0.00} after a charge-off of {$3900.00}. This balance may include erroneous fees or charges that were not properly documented or validated, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers of information must provide accurate information. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was " purchased by another lender, '' yet XXXX continues to report the account. This is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ), which requires accurate reporting of account status.

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Debt Validation Issues : The company to which the debt was sold investigated and stated they can not validate the debt, hence they ceased collection efforts. However, XXXX continues to report the debt, which violates the FDCPA ( 15 USC 1692g ) and the FCRA ( 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX Also the following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im constantly being harassed by multiple companies that Spotloan has chasing me around. Even calling relatives. They gave a loan to someone who obviously claimed to me me I assume but I cant see how they could not verify the identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already been the victim of identity theft several times and have a fraud alert on my credit these accounts are from 6 years ago to places I have never been. I have confirmed I have never been to these places and they are not mine please remove from my credit report.
Product: Mortgage

Tried numerous times to refinance loan from adjustable to fixed. Tried 10 years with zero success
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
Product: Debt collection

The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine
Product: Credit card or prepaid card

I mailed in a check in full payment of my credit card balance ( via certified mail ) to the address shown on the credit card statement. The payment was received at the location specified for payment 5 days prior to the due date ( payment tracked to the po box XX/XX/22 at XXXX ; due date was XX/XX/22 ). I was charged interest and a late fee. When I contacted BJ's/Comenity Capital, I was told that I am responsible to pay the bill well before the due date because of their lockbox/processing time ; therefore the late fee and interest are due. I am in the process of disputing the charges but have spoken to a Customer Service Rep, a Manager and now have to engage in a formal dispute process.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for you immediate assistance to remo these items in my account : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian notified me of a 30 day late with XXXX XXXXXXXX XXXX XXXX XXXX. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to Experian per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to Experian on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from Experian or the merchant with the explanation or investigation results. Experian instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with XXXX XXXXXXXX XXXX  XXXX XXXX. Thank you for your prompt response.
Product: Mortgage

My husband passed away 11 years ago, I took the death certificate into Chase Bank as soon as I received it. I have done this 6 times to date. I have asked Chase Bank to please give me the credit for the payment of this mortgage which I have made for 11 years and have paid them over {$330000.00} to date. They sent me a letter stating that " you are not financially responsible for this loan '' but yet they send a bill to me only and take the payment out of my account which only has my name on it. They refuse to report this mortgage to the credit bureaus and I need this good credit on my reports as my credit is not good ( I have a mentally ill child and the medical bills/treatments caused me to go into debt ). I am a widow, on a fixed income and desperately need this credit yet Chase Bank will not answer my questions ( I asked them WHO is responsible for this loan if it is not me and why do they send ME a statement each month and take it out of MY account ) and continue to refuse to assist me. Nothing would change by Chase doing this, they would still receive their payment ( which has never been late in 11 years ) and all I have asked them to do is put my social security number on the loan and report its good standing to the credit bureaus. They will not do this for me. I asked them the first time I took the death certificate into them if I needed to do anything regarding the mortgage and was told I did not need to do anything. Is there anything I can do about this? Legal action?
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, XXXX XXXX XXXX XXXX I have yet to receive any response from XXXX XXXX XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX. Additionally, I did notify XXXX XXXX XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from SYNCBXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCBXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to requesting Experian to investigate my account with XXXX XXXX  XXXX who no longer holds our account as of XX/XX/XXXX my Experian Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from Experian stating that my Credit Score had been negatively impacted due to retaliation from XXXX XXXX. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX   with our Daughter who was XXXX  in XXXX  for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported XXXX XXXX  in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. I notified XXXX and all the credit reporting companies. I have a capital one credit card worth a XXXX $ card limit that was fraudulently open. I have asked XXXX to please remove it from my report. All other reporting agencies, have removed the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violeted the FCRA and my rights. They have failed to properly investigate valid disputes on the information they report. I have documented over the last 1 1/2 years my correspondence with experian repeatedly requesting verification and validation of disputed items. My 1st dispute was sent in XX/XX/XXXX in which I disputed many items on my credit report. Since that date I have sent 5 letters to experian. They refuse to properly and lawfully investigate my account, they also failed top provide me with notice on how they verified and with whom they verified the information they are reporting.

Experian has failed to provide the requested documentation and process for how they verified the following accounts. 

XXXX XXXX # XXXX Not my account. Creditor has failed to provide any documentation supporting this is my account. 
XXXX XXXX XXXX # XXXX Inaccurate open date, see page 3 for documentation. Account shows balance but indicates a charge off, balance should be {$0.00}. Creditor has re-aged account info. 
XXXX XXXX  # XXXX This account has inaccurate remarks, it was paid in full and closed by my request. This has been removed from all other reporting agencies due to inaccuracies. Please delete this account. 
XXXX XXXX-Experian has failed to note that this account is disputed -FCRA violation # 1 Experian has failed to note who the account was sold/transferred too -FCRA violation # 2 Please delete this account for Inaccurate information. 
XXXX XXXX # XXXX - I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, please remove all late payments on these dates and send updated report XXXX XXXX - Inaccurate balance, loan amount says {$26000.00} charged off but showing balance of XXXX. This account is falsely reporting Balance, monthly payment, and status. Company has failed to properly notify of account status. FCRA violation # 1 Delete immediately I request verification, no XXXX system
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, XXXX Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX Informative Research XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. 

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$5500.00} Highest balance - Terms 113 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX