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

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX  XXXX Account # : XXXX Inaccuracies : XXXX. Future Reporting Dates : o XXXX Last Reported : XX/XX/XXXX o Equifax Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
XXXX. Comments Conflict : o XXXX : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o Equifax : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
XXXX. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o These dates should align if the account activity is accurate. 
XXXX. Two-Year Payment History : o XXXX and Equifax show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
XXXX. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification. 


The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, AL XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] [ CEO : XXXX XXXX ] [ ] [ Company Address : XXXX XXXX XXXX, ] [ City XXXX XXXX. XXXX XXXX : MN, ZIP Code : XXXX ] Dear [ CEOs XXXX XXXX ], I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Amount Charged Off : [ XXXX ] I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave my consent to the credit bureaus to expose anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Thank you,
Product: Debt collection

We owe no debt but have been getting robocalls attempting to collect debt from ( no name provided ) at my cell phone number. I cant report them to the FTC because apparently anyone pretending to be collecting a debt doesnt have to abide by the Do Not Call list, even if the debt is imaginary. The call on XX/XX/XXXX at XXXX came from XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information. theses Account are fraud i did not authorize anyone or any company to  open these accounts i want them removed from my credit files Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it.

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it.

Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXXE - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX, XXXX XXXX XXXX XXXX made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.
Product: Debt collection

On this date XX/XX/2021 company opened a collection. 
Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX
Product: Checking or savings account

I am a victim of an online dating scam and an unauthorized payment scam. Since XX/XX/XXXX, my chase account has been frozen due to the detection of funds deposited in my account that was supposed to be directed to someone else. Due to the scam, Without sending any notification email or phone call, Chase froze my account and funds which caused significant stress and suffering for me to get by. I called and spoke to many different people at Chase, each of them giving me a different story about what actions Chase will take to assist me, to include sending me a check with my money so that I could open a new account and get by. 
After speaking to many representatives that my account had been frozen on XX/XX/XXXX, Chase continued to accept the funds which are the only source of income that I have. My frozen Chase account accepted my funds on : XX/XX/XXXX for the amount {$800.00} coming from XXXX XX/XX/XXXX for the amount {$380.00} coming from XXXX XXXX XXXX for the amount {$650.00} coming from XXXX XXXX 
XXXX XXXX for the amount XXXX coming from IRS Stimulus check I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my account in any way. I was left completely unaware of these deposits because I was told that Chase would supposedly not accept it. 
I have a copy of each of the following documents upon request 1. A copy of my Identity Theft Report which includes : 2. My FTC Identity Theft Report Reference # XXXX 3. The police report about the theft of my identity case # XXXX XXXX County Sheriff 4. IC3 Complaint Referral ; XXXXnternet Crime Center Even after many trying phone calls to Chase and all the immense strain this has put on my ability to get by, I have not received any help or assistance from Chase. Not a single phone call, email, or letter was received by me that showed that Chase would help or care.
Product: Debt collection

Received a letter from UNIFIN - current creditor is XXXX - {$12000.00}. Saying its from my current bank XXXX XXXXXXXX XXXX . However I bank with them and I do not owe them anything. I have a current open account with them. And Ive never received any thing from them asking me or telling me that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit Bureau to inform them that I was not aware of who this collection companies from they subsequently put it into dispute mode instead of using the letter that says to remove it which I obtained from the credit collection company and now put me into a 30 day delay mode. 

upon six hours of phone calls to him and being exhausted I have no course but to file this complaint I hope you can assist in getting this matter taken care of but every time I contact their specialty department to help me I get nowhere it's like they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

first time loan modified lender sent to wrong party then loan was transferred to SPS SPS made payments too high Never recognized monthly income
Product: Debt collection

I had a phone debt in XX/XX/XXXX from XXXX XXXX. XXXX called and told me that I had a debt in my name and that I needed to pay it off in a month. The balance was satisfied on XX/XX/XXXX. I called XXXX and they said they have forwarded the debt to Jefferson Capital Systems and now there is a duplicate collection placed on the credit report on XX/XX/XXXX - a year after the fact which is double dinging me and causing the FICO score to be hindered. I have spoke to Jefferson and they provided the same account information as XXXX and XXXX. This is not a valid collection for Jefferson.
Product: Mortgage

I am a United States XXXX XXXX veteran who is facing a foreclosure sale date on my home on XX/XX/XXXX. I bought my house with a VA loan backed by the government and I know that there are programs and plans put in place to help homeowners in my situation ( lost my job ) but my lender Nationstar has not engaged in a fair negotiation and has not given me access to these programs. I have put myself into a better financial situation and have tried to get Nationstar to take another look at review for these programs but they are telling me it is too late and they are foreclosing on my home. I wanted to contact your agency to file a formal complaint. 

At the time of the purchase I had a good paying job working for the railroad, and moved into the home with my wife XXXX and our XXXX daughters. I had been moonlighting as a XXXX XXXX to supplement my income but was completely shocked when I lost my job and main source of income from the XXXX. I immediately ramped up the XXXX  business  and reached out to Nationstar to try and resolve this matter. After months of back and forth with paperwork, I was approved for a repayment plan with a monthly obligation of {$2700.00}. My original mortgage payment was approximately {$1300.00}, so this was more than double. In my situation I simply could not afford a double payment. I tried to apply again for a modification ( since I was not reviewed for that the first time ) and was told I was denied due to lack of income. This confused me -- how could I be approved for a repayment plan with a payment of {$2700.00} which would require substantial income and then be denied when applying for a modification which would hopefully put my payment closer to where it was before ( {$1300.00} ).  Obviously some type of error has been made on the Nationstar side. 

I have tried to resurrect my case with their agents but have run into brick walls and am now facing a foreclosure sale date. At this time my wife is working and I have slowly grown my XXXX XXXX business. I am also receiving a monthly VA retirement check and have a new job as well. Between all of these sources, we have the financial means to afford a fair and reasonable mortgage payment. However, Nationstar has refused to give me the opportunity for a new review.
Product: Checking or savings account

Automatic payments were set to go out every two weeks from my Arvest Bank ( XXXX ) account to a student loan account with the XXXX XXXX XXXX managed by XXXX XXXX. Payments were being made until the account was below a certain amount. Auto payments were stopped from Arvest Bank to the XXXX XXXX XXXX on or around XX/XX/2019 due to a lack of funds and Arvest continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. Arvest advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with Arvest and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called Arvest Bank to ask about this. Arvest said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through Arvest Bank. 

On XX/XX/2019 I noticed that {$35.00} was taken from my Arvest account via ACH noting the following : XXXX XXXX XXXX RETRY PYMT. This was not authorized. I contacted Arvest bank and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by Arvest Bank if a new deposit was not made. 

Main complaints : - Arvest Bank financial practices to recoup revenue on unwarranted insufficient fund fees - Arvest Bank not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - XXXX XXXX XXXX or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}.
Product: Bank account or service

I was induced to sign up for a CitiGold checking by a promotional code that I received. The XXXX checking account has a monthly fee of {$30.00}, which I have been paying since opening the account in XXXX 2016. The promotional code, XXXX, was for XXXX XXXX XXXX points. I called Citibank and spoke with XXXX, employee code XXXX, on XXXX XXXX, 2016, at which time XXXX confirmed that I was eligible for the promotion and would be receiving the points when the requirements were completed. Further, on XXXX XXXX, 2016, at approximately XXXX, I engaged in an online chat conversation with Citibank representative XXXX ( see attachments ). During my conversation with XXXX she assured me that I was eligible for the promotional code and that I would receive the XXXX XXXX points within 90 days of completing the requirements. I completed all of the requirements for the promotion on XXXX XXXX, 2016. Pursuant to the terms and conditions of the promotional offer, I should have received the XXXX XXXX points from Citibank on XXXX XXXX, 2016 : which was the 90 day mark from my completion of the requirements for the promotion. Having not duly received the XXXX points, I contacted Citibank on XXXX XXXX, 2016, to see when I would be receiving the points. They stated that they were " backed up '' giving out points to everyone and they would need to investigate my eligibility. I informed the Citibank representative that I had confirmed my eligibility in XX/XX/XXXX ; furthermore, I informed the representative that I had a screenshot of a conversation confirming that I was eligible for the promotion. The representative said they would still need to investigate, at which time I requested that they contact me via email once they determined my eligibility. On XXXX XXXX, 2016, I received a secure email stating that there was not an AAdvantage Miles promotion offered in conjunction with the opening of this account. However, the undeniable evidence confirms that I was eligible for the promotion. I request that Citibank honor their promotion and provide me the XXXX XXXX points that I was promised under the terms of the promotion, confirmed during my phone conversation with XXXX, and reconfirmed during my online chat with XXXX.
Product: Prepaid card

XX/XX/XXXX : Attempted to use the card to make a bid on XXXX- declined XX/XX/XXXX : Attempted to add the card to my XXXX XXXX- declined XX/XX/XXXX : Attempted to make an online purchase with a vendor that takes XXXX XXXX declined Phone support is entirely automated. My money is effectively locked away in an unusable virtual card.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unresolved inaccuracies on my credit report related to a Nelnet account. I previously submitted a complaint XXXX challenging XXXX XXXX  payments appearing only on my XXXX report. 

Nelnet responded to my dispute, but their response is deeply concerning and raises significant Fair Credit Reporting Act ( FCRA ) violations. The XXXX XXXX  payments are present only on my XXXX report. This inconsistency across credit bureaus ( XXXX, XXXX, and XXXX ) is a clear violation of the FCRA, which mandates furnishers like Nelnet to report credit information accurately and consistently to all XXXX  bureaus. Nelnet failed to provide opt-out disclosures related to these XXXX  payments. The FCRA requires furnishers to provide consumers with the opportunity to opt out of receiving account information electronically. Nelnet 's failure to do so constitutes another FCRA violation. Nelnet claims the XXXX  payments are accurate, yet they haven't provided any evidence to support their claim. They haven't furnished a copy of the XXXX  agreement containing my signature, nor have they provided any XXXX XXXX  history demonstrating XXXX  payments. Without proper verification, these XXXX  payments can not be considered accurate and should be removed from my report. Nelnet 's response to my initial dispute is not only inaccurate but also demonstrates a disregard for my rights under the FCRA. I am confident that a CFPB investigation will reveal the merit of my claims and hold Nelnet accountable for their reporting practices. I appreciate your assistance in achieving a fair and accurate credit report. I have attached all relevant documents to this complaint, including my initial dispute with Nelnet, their response, and a copy of my XXXX credit report highlighting the disputed XXXX  payments.
Product: Credit reporting or other personal consumer reports

Debt was paid and settled, company is reporting that it was never paid, have sent in copies of endorsed checks by the company and they are still reporting that it is unpaid