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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX - Account XXXX has violated my rights. 

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

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

These Credit Inquiries has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Product: Debt collection

This letter is in response to your recent claim, in which you claim I owe {$9100.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


*** Also Note - I was not properly served.
Product: Mortgage

In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.
Product: Credit card

I purchased a queen size mattress, box spring, frame, and mattress cover. 
Per their policy I could return within 30 days if not happy. 

I called and requested that they come pick it up and deliver me a king set and they did but they have not given me my credit back for the entire queen set although they took it back!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX  opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States a consumer reporting agency can not furnish account without my written instruction.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information
Product: Debt collection

I received a bill from collections saying we owed a past due bill which we never got statements for after the first few months. Paying this was NEVER the proble. The problem was, they put our address on the bill incorrectly which I have proof of. This is a clear violation FDCPA. If we would have got a bill of what our final balance was, it would've been paid. The collections company and the hospital BOTH agreed we had the wrong address on file, and refused to fix the negative 30 day mark received from this. If an error occurs by the hospital or the provider, this must be fixed and my credit bureaus updated. They have me living in XXXX XXXX MO and I live in XXXX XXXX MO. Please see the address at the bottom of the collections bill that I have uploaded as proof.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a customer.
Product: Debt collection

I dont understand why this company keeps doing this, they are relentless! 

Multiple times throughout XXXX I have been able to get these alleged debt accounts removed off my credit but this company keeps coming after me and now its continuing into XXXX. 

Im tired of this, these debt accounts were previously removed from my credit and credit report with all 3 credit bureaus several times! 

I want this to be the last time and for good! This is not right that these companies are doing this to us. Like most people in the United States, I was affected by Natural Disaster COVID-19 : JXXXX XXXX. Going through Divorce : XXXX XXXX. My Ex-Husband is Responsible for this Account and again these accounts were previously REMOVED from my Credit several times.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing items, even when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA. If you choose to not remove the following items listed below which are reporting inaccurately due to inaccurate credit reporting, 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 erroneous credit report data & were opened without my consent or knowledge : Experian XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed {$610.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MN XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed {$0.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added here my new FTC report with reference number XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove this from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reason : Identity theft Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid
Product: Checking or savings account

On Friday, XX/XX/XXXX, I initiated a legitimate wire payment at Capital One to make an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The wire was initially held up, probably due to fraud concerns. Makes sense -- I don't send many wires, and I don't think the compliance person understood the difference between a legal entity name and a XXXX alias. My accounts were also labeled " Your funds are currently not available for withdrawal, please call us at XXXX  '' I called to have the wire issue resolved. They reversed the wire charge, removed the compliance hold, and told me I should wait about XXXX minutes, and then I could initiate the wire again, and it would probably go through. So I waited. 

At no point in the interim has the " Your funds are currently not available for withdrawal '' message disappeared. I can not withdraw money, transfer money between accounts at the same bank, make payments on credit cards, pay bills or childcare. I have over $ XXXX in deposits with this bank. All of my bills come out of the primary checking at this bank. And now I find that I can not transact at all. 

I have made XXXX calls in 3 days. Each Customer Service rep has verified that there are no holds on any of my accounts. Suggestions were made to wait a while, delete the app and log back in, etc. None of this helped. 

On the last call, I was escalated to a " digital issues '' XXXX who also could not find any holds on any accounts ( or joint account holders ) that would preclude me from withdrawing money, paying bills, or otherwise transacting in normal ways. He escalated to the " back office digital issues '' team, which has a turnaround time of 5 days via email. 

In the meantime, I have credit cards, a mortgage, child care, and other bills to pay, with no access to our primary bank accounts. I'm not really sure what I'm going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.XXXX updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and Transunion Failed to provide documentation. This account also reports a monthly balance in its charged off status.
Product: Credit reporting

I previously disputed a lien on my Equifax credit report that has been paid and is still showing on my report. I have attached the proof of payment of this lien. Please remove this lien from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  signed me up for care credit and he co signed. i wasn't aware until i was called to XXXX XXXX where i signed papers to be a client and for appointment. I had XXXX XXXX XXXX  and got a temporary XXXX XXXX XXXX ( XXXX XXXX didnt know what he was doing made the XXXX XXXX XXXX sizes to big. XXXX XXXX XXXX XXXX XXXX and was so excited to get them. i got all dressed up and wore make up filled with excitement to actually smile XXXX XXXX XXXX XXXX XXXX! i get to XXXX XXXX and was told that the care credit was pulled and canceled due to the friend not telling his wife about co signing, and when she found out she canceled. im going on XXXX  years with XXXX XXXX XXXX XXXX XXXX and cant get my XXXX due to care credit pulling funds with only {$1700.00} left to pay. so in order to get my XXXX i would have to come up with XXXX myself and im XXXX living paycheck to paycheck and cant afford it. now care credit has sent the other balenced that was paid ( even though i gave friend money to pay on balance and it wasnt ) and is charging me over 5 grand.
Product: Credit reporting or other personal consumer reports

I Co-signed for My brother a XXXXXXXX XXXX XXXX in XXXX thru credit acceptance corporation. In XXXX he got in trouble with the car and the car was impounded by police. The car was on police hold and could not be retrieved by myself. From XXXX until this very month CAC Has been reporting to the credit bureaus a late payment every single month. I contacted them on multiple occasions to ask why are they doing this and they stated that they dont sell there accounts to debt XXXX. In XXXX the car was sold to a new owner. If the car was sold CAC should not be reporting it as a late payment to my credit report. This completely violate my rights. The vechicle has since been sold twice. Under no circumstances should the account be reported as late payment every month.
Product: Mortgage

I was shocked to find late payments on my credit report. It's unfair because I have NEVER missed a payment. 

30-days late XX/XX/2019 30-days late XX/XX/2019 I'm not sure how this happened. I believe that I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Debt collection

COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " SEARS '' MASTERCARD ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX  AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS XXXX  XXXX  XXXX  AND XXXX  XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION XXXX  INCOME GARNISHMENT
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Goldman Sachs and Co for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Goldman Sachs and Co, with the account numbers XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Goldman Sachs and Co has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations. 

Additionally, I am concerned about the accuracy of XXXX XXXX  's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Goldman Sachs and Co 's failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Goldman Sachs and Co complies with its obligations under the tax code and credit reporting laws.

I have also made Goldman Sachs and Co aware of these issues through the following correspondence : I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Goldman Sachs and Co. 

Thank you for your time and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently been the victim of identity theft, resulting in the addition of fraudulent entries on my credit report. These accounts were created without my knowledge or consent. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already reported this incident to the Federal Trade Commission ( FTC ) and now request the immediate removal of these unauthorized accounts from my credit report.