23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
VIN Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over {$600.00}. However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to XXXX per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With Prejudice
Product: Mortgage

I am looking to sell my house, and applied to pay off the mortgage balance in early XX/XX/2021 ( US {$8000.00} ). I am in touch with Mr Cooper, and have tried to trasnfer the pay-off amount twice now from my XXXX  XXXX XXXX account , and twice Mr Cooper have rejected my payment. 

I am urgently seeking a mortgage discharge document, and their continual rejection of my funds is now causing me legal problems with my house sale. I am even in touch with the board of directors of Mr Cooper, but nothing seems to work with this organisation. I am currently working in XXXX and spending nights trying to sort this mess out, so stressful... 

Please help?
Product: Student loan

I applied for forbearance extention as well as income based pay and 0 flexibility nor communication.
Product: Debt collection

Optimum Outcomes refuses to remove inaccurate information off my XXXX report. The information was deleted from XXXX bureaus but not XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}
Product: Debt collection

Upon reviewing my recent credit report, I found multiple fraudulent accounts that were added without my consent.
Product: Debt collection

i do not owe this third party debt collector and under fcra policy section 609 there is no originally signrd contracts and no proper debt validation i did recieve financial aid and this company is not trying to collect illeagally
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

15 U.S. Code section 1681C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. This company is in violation of this law because I am a victim of identity theft. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these incorrect personal addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2020, a debt collection company named Capital Accounts sent a collection notice from the creditor called XXXX XXXX. 

This alleged debt is fraudulently created by the XXXX Office who falsified the procedural agreement between the patient and XXXX  by sending a false statement from what was agreed on the service requested. 

The XXXX  office sent numerous charges that inconsistent and created false XXXX  procedures which was not performed and can be easily proven by another operating XXXX. 

The creditor ( XXXX XXXX ) created a falsified treatment plan in order to increase the amount charged through the patients XXXX insurance and billed 3 different inconsistent patient ledger. 

I have contacted the XXXX  office to fix the issue and still the XXXX  practice ignored the plea and request. 

I am willing to submit additional evidence if requested but will not submit since there's Personal Identification Information within the documents available. 

The collection agency ( Capital Accounts did not verify the validity of the debt through the XXXX  office. There was no procedural process to present that the debt is valid or the amount owed is correct and is still in the process of correction from the XXXX Office. 

The office is using fraudulent billing and collection process in which requires an investigation from a competent authority.
Product: Debt collection

While doing an extensive search of this company. I found out that their license has expired in the state of MD and majority of their offices are closed. The address listed on my credit report is not the same address listed in the search results.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX account I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Student loan

I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.
Product: Debt collection

On XX/XX/2022, I sent a letter to IC Systems because I noticed a debt reporting to which I did not have any knowledge. I was denied the dunning period and the account was intentionally reported to my credit causing my score to drop drastically. My rights were violated because I was not notified of the alleged debt owed and when I tried to fix the issue, the debt was immediately transferred so that I could not even settle the debt, if that was even a possibility. 

Since I was not notified of the deletion, I checked a later report. I immediately contacted IC Systems XXXX, XXXX and XXXX by mail to make them all aware of the account being added without verification and the violations that occurred. At that time, on XX/XX/2022 I sent an invoice to be paid as a result of the violations and intentional and willful harm this unverified account caused me. I have included the tracking number for the documentation sent below on tracking USPS receipt. I was ignored again, same as before by senior management and the owner of the company. Below are a list of violations that occurred with IC System and still to this date, no true resolution has occurred as I was harmed intentionally and I do believe it was done so with malice and I am unable to get any communication from anyone. I do not believe they will communicate with me under any circumstances that are just between them and myself. 

Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Product: Payday loan, title loan, personal loan, or advance loan

Sunday, XX/XX/2023 Predatory Lending It appears that I am the victim of indirect predatory lending. The bank has prevented my account from signing up and enrolling into the " cash reserve '' option. 

This is not credit based lending and either has intention of preventing, rejecting or approving a veryblow-ball amount due to being a minority. 

I attempted to enroll and Ibwas peovided with a error message and the requirement to clntact the bank for a person to make judgemental discretion instead of the ai software computing the information on equal terms and guidelines. 

I should still be approved for a regular unsecured credit card, options in other lending including auto loans, recreational loans, and mortgages. The XXXX medical collections and XXXX year old apartment lease collection that should not have been charged given the voluntary discontinuation. 
We can not consider inquiries from thrbreport because I have to continue applying until I recieve the necessary credit needed. Being rejected makes it appear I'm frivolous. 
There are not any judgements, bankruptcies, liens. 
But that's the conspiracy here with this and your not doing anything.
Product: Credit reporting or other personal consumer reports

I requested that information reported on my credit report be updated. I sent in the updated information to XXXX XXXX and Equifax. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit card

On XX/XX/24, three fraudulent charges were posted on my Chase credit card. Once I noticed them, I contacted Chase to report them. Two of the charges were deemed fraudulent and my account received the credit. The third charge, for {$190.00}, was somehow deemed valid despite multiple protest calls to Chase. I also attempted many times to contact the company directly but despite emails and chat bot conversations, there is no way to reach anyone at the company. I requested contact information from Chase and even they could not seem to find contact information for the company. ( I reported the company, called XXXX, to the FTC but I have never heard anything back on that either. )
Product: Credit reporting or other personal consumer reports

I've been harassed by XXXX XXXX XXXX. under 15 U.S. Code 1692e - False or misleading representations. I continue to receive letter for 3 different credit card debt and the most recent is being threatened to sue me. This debt was investigated by XXXX XXXXXXXX XXXX, and deemed as fraudulent and doesn't belong to me. This issue is causing undue stress and XXXX. Here 've stopped answering my phone for unknown numbers because of the continuous harassment. Also, negatively affecting my financial standing.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}
Product: Money transfer, virtual currency, or money service

I'm submitting this complaint against Cash App ( Block , Inc. ) regarding their questionable and insufficient customer service practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has not taken timely or effective action to prevent and address fraud on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process has proven to be unfair and misleading, failing to meet the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in considerable inconvenience and financial loss. I am seeking appropriate compensation for these violations.
Product: Debt collection

The company Cbsc Is trying to collect on a debt that is not valid. Thhs company is not licensed to collect on debts in The State of Illinois as required by the Idfpr
Product: Credit card

I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau XXXX, Equifax, and XXXX XXXX asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. XXXX will not let me view my account.
Product: Credit reporting

They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same XXXX XXXX and TransUnion asap!
Product: Credit reporting

I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with XXXX XXXX XXXX ( XXXX ). This fraudulent account was reported by XXXX, Equifax, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with XXXX, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that XXXX has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with XXXX from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, Equifax, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. XXXX has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.