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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : US DEPARTMENT OF EDU Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Mortgage

MY HOME IS BEING FORECLOSES IN XXXX CO.XXXX XXXX XXXX WITH A FRAUDULENT ROBO SIGNED ASSIGNMENT. THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. XXXX XXXX IS THE TRUSTEE FOR THE HOME EQUITY ASSET TRUST 2006-5 HOME EQUITY LOAN TRUST FOR THE CERTIFICATES HOLDERS. THIS TRUST WAS CLOSE WHEN THE ASSIGNMENT WAS CREATED. I SENT A QWR AND DEBT DISPUTE LETTER TO SELECT PORTFOLIO. THEY CLAIMED THEY COULD N'T TRANSFER MY CALL TO THE OMBUDSMAN DEPARTMENT.
Product: Mortgage

To whom it may concern : My mortgage company keeps delaying my loan modification review. I have an FHA loan and it shouldn't be taking this long for them to help save my home! They advised it is going to take them another 15 weeks before they have an answer. What if my home gets a foreclosure sale date. I am not protected anymore by the foreclosure moratorium that was lifted recently.
Product: Debt collection

I am not liable for this debt with Pacific Credit Services. I do not have a contract with Pacific Credit Services. They did not provide me the original contract as requested.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am addressing you as the direct furnisher NATIONAL SERVICE BUREAU. I strongly believe that you have violated the FDCPA and are non-compliant with what you have reported. There are two reasons why I am stating this. Namely, you first affiliated this account with an individual 's name who previously had been placed on my report in error. Making you consistently reporting the erroneous item a clear violation of the law. Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. The item in question : Name of account NATIONAL SERVICE BUREAU Account # XXXX
Product: Credit card or prepaid card

For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Debt Validation Request Pursuant to 15 U.S.C. 1692g of the FDCPA I am sending this letter in response to your recent communication regarding an alleged debt. I do not acknowledge this debt and request full validation under my rights outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide me with the following information to verify the legitimacy and legal enforceability of this alleged debt : 1. Original Creditor Details : The name, address, and contact information of the original creditor. 
2. Last Statement Balance : A copy of the last billing statement from the original creditor showing the amount owed before the account was allegedly transferred. 
3. Proof of Assignment : A signed agreement or assignment contract that legally transferred the debt to your company. 
4. My Physical Signature on Original Agreement : A copy of the original contract or promissory note bearing my physical signature, showing my legal obligation to pay this debt. 
5. Itemized Account History : A full breakdown of how the alleged amount was calculated, including principal, interest, fees, and any payments made. 
6. Proof of Your Authority to Collect : A copy of any agreement between your company and the original creditor authorizing you to collect on their behalf or proof of ownership if you claim to have purchased the debt. 

Under 15 U.S.C. 1692g ( b ), collection efforts must cease until this validation request is properly fulfilled. Failure to provide the requested documentation within a reasonable timeframe will indicate non-compliance with federal law, and I will consider this matter closed. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate information to credit bureaus. If you have already reported this debt to any credit reporting agencies, I demand that it be removed until validation is completed. 

Please provide all requested documentation in writing to the address above. If you fail to comply, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a promotional email from Discover Card with the subject " Join XXXXXXXX XXXX XXXX this holiday, Get {$45.00} back ''. I read through the email and clicked on the link to activate the promotion. I purchased my XXXXXXXX XXXX XXXXXXXX membership, using my Discover card and following all instructions in the email and in the terms and conditions, on XX/XX/XXXX. The terms and conditions stated that " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' After waiting three billing cycles as mentioned in the terms, I contacted Discover Customer Support on XX/XX/XXXX to inquire about where my statement credit is. The representative I spoke to informed me that I should indeed have received a statement credit, and that he would escalate the issue, it would be investigated and that I would receive a call back within one week. A month later, on XX/XX/XXXX, I still had not received a call back. I contacted Customer Support again to follow up and was informed that, " the promotion is handled by corporate, and that there was nothing they could do to help me ''. When I asked if I could get contact information for whoever was needed to resolve the issue, I was told there was no public contact information and that there was nothing further they could do. 

In summary, I activated an offer and purchased a XXXX XXXX XXXXXXXX membership within the allotted time and while following all published terms and conditions but was denied the promised statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.
Product: Debt collection

Nationstar Mortgage have alleged they were transferred servicing of this loan in XX/XX/XXXX. I  have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued Nationstar Mortgage referencing this alleged transferred loan to collect. Nationstar Mortgage will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from Nationstar to substantiate my claims.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of
information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting

I had a XXXX in XXXX 2015 while living in XXXX XXXX, XXXX in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. One, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, XXXX. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to pay my rent for my business office space ( {$1400.00} ) as  requested by my landlord, he specified that the had an account set up with Chase Pay with XXXX and provided me his company name. I went to the pay page on Chase.com ( as I am also a Chase customer ). There no instructions on the page or disclosures about how this worked, just a space for an Name, mobile number or email. I put in the information ; Name and email ; and it stated it was pending and would send notification. After 8 days it did not got through, and I assumed that it must be wrong information and was not able to be verified. Since I am in another state, on XX/XX/XXXX, I attempted to send again using the mobile number of my landlord and company name. The transfer stated completed immediately. I contacted my landlord on XX/XX/XXXX and mentioned that the funds had transferred and he informed he had not received the money. I logged into my account and upon closer inspection realized that I had erroneously entered his mobile number. I contacted Chase that day as the wrong number obviously is registered and they would have a way to track where they money went that was clearly intended by name to my landlord. Chase informed that they had no liability in this situation, this was a user error and they do nothing to verify account information ( name and phone/email match ). They also told me that they would try to recover the funds but they would not file a claim nor would they pursue using their resources to get the contact/account information of the account holder that was given the number. Chase Pay with XXXX markets itself as a " safe secure '' way to send money but does not provide any protection in the event of the money going to the wrong person. Clearly Chase also endorses this as a safe way to transfer and yet has no process for safety or security to ensure verification of an account by name. There should be some type of guarantee when using your own bank recommended way of transferring money that the money is not going to the wrong person or if the wrong person fraudulently accepts this money without their name on it, the bank will pursue getting the money back in the same way they would if someone cashed a check sent to another name but to their address. There is no way to contact XXXX and Chase has not attempted to do so for me in case the money has not even been delivered. Clearly we have the contact information for the person who received the money and they must have a registered account with XXXX in order to get the money sent to them so the tracking piece seems like it should be easy but Chase says I am just out of the money. 

Marketing as safe way to send money but no protection by your own bank No guarantee the money reaches the intended person 's account I do have copies of the transaction, amounts, numbers, recipient name etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

In XXXX of XXXX the IRS filed a tax lien against a Condo I own. The taxes owed were not owed by me, and were in dispute. 

I settled the tax matter with the IRS, and the Lien was removed from my property. XXXX has removed the public record from my consumer credit file. 
Equifax has not corrected the entry. I have disputed the item with them two times. They have NOT changed the status or amount. So it looks like I still owe {$17000.00}. 
When I applied to refinance my Mortgage I was declined due to the outstanding federal tax lien. Which has had a zero balance. Attached is a copy of the notice from the IRS showing the Lien was Released on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in jail, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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. If the Credit Bureau claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW UNDER THE FCRA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that is reporting incorrectly. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
Grain Technology The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Grain Technology ). Making the report is NOT INCLUDED on my consumer report! 
Utilization is an experience with a line of credit that was extended between the consumer ( ME ) and the person ( Grain Technology ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer report! 
Grain Technology HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states in NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the account. 



Failure to respond satisfactory with the deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX