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

Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, XXXX, XXXX, and TransUnion, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

Transunion sent me the last letter on XX/XX/XXXX, and I haven't heard from XXXX or Transunion since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX federal income tax return. 

This XXXX account is currently listed as " XXXX '' on XXXX but " Derogatory '' on TransUnion and XXXX. 

When I sent my dispute letters to these XXXX major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report fraudulent activity on my credit report. I have already taken the following steps : 1. Filed an identity theft report with my local police department ( attached ).

2. Completed and submitted an FTC Identity Theft Report ( attached ).

The accounts/items listed below were fraudulently opened or misused in my name without my knowledge or consent. Despite my filing of a police report, I have noticed additional accounts and/or items being reported on my credit file that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to those accounts theres an inquiry for XXXX as well.
Product: Mortgage

I entered forbearance for three months-XXXX XXXX -- -- I was told by Shellpoint mortgage that I could put this at the end of my mortgage. I have been told to only talk with XXXX XXXX -- -- I call -her message says she will get back with me the next day -- -she never dose -- -her email undeliverable??? 
Three weeks of XXXX. 
I got someone yesterday he asked all kinds of personal questions but could not answer mine -- -- -What are my options? He kept saying state your forbearance is over and we can talk???? 

I pay these people a lot of money every year and when I have a situation its the finger -- -- -- when I call now I am in a loop. 

Why can't they just talk like human beings???? 

So I do believe the guy extented my forbearance -- -I asked for one month -- he gave me 3 -- -- -- wonder what they are up to -- -- -get me in a hole I can't get out and they steal my home. 

Why are companies or crooks allowed to exist like this-on line I see all kinds of complaints about this company -- -Shellpoint -- -- and I do believe owned by NewRez ??? -- -i did send NewRez a email on what is happening.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX several tems from my credit report and they are still showing. These tems need to be removed. These accounts are XXXX, XXXX XXXX XXXX, Wells Fargo Credit Card.
Product: Debt collection

XXXX XXXX for TD bank calls 4-7 times per day. Sometimes they call before XXXX. Last Friday XXXX they called at XXXX XXXX. Today XX/XX/14 they called my mother who they are not authorized to call at XXXX XXXX. I was on a forbearance plan with TD bank and not suppose to be turned over to collections. I dont not want them to reach out to my employer or family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine but of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Debt collection

On XX/XX/year>, I made an reservation online from XXXX for a XXXXXXXX XXXX XXXX rental car, to be pick up on XXXX XXXX, XXXX  and return on XXXX XXXX, XXXX  which I already paid {$490.00} online. 

On XXXX XXXX, XXXX, XXXX doesn't have any XXXXXXXX XXXX XXXX  available which I was already disappointed, so the employee gave me XXXX XXXX XXXX instead. At the time I asked the employee 3 times if I would need to pay extra, and he said no. 

On XXXX XXXX, XXXX, I returned the XXXX XXXX XXXX, during the return process I asked the employee again if I would need to pay additional fee, and the employee said no again. But about 1 hour later, I received an email that XXXX charged my credit card {$660.00} without telling me anything. 

Within the week, I contacted XXXX 2 times and the representative said they would refund me {$660.00}. After a month of waiting, I didn't see any refund so I decided to make a dispute with my credit card company which I got the credit back. 

Fast forward to recently, I received a letter from JNR debt collector. For the same {$660.00} from XXXX ( attached ), I emailed JNR to get more information ( attached ) and called and left voicemail but still haven't got a response back. 

I am really frustrated how these companies can charge consumers any time they want and now trying to put me in collection and hurt my credit. Could you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This ran unauthorized credit inquiry on my credit report. Please remove as these are suspicious to me : XXXX XXXX
Product: Credit reporting or other personal consumer reports

: Immediate Demand for Removal of Incorrect Bankruptcy Entry I am writing to demand the immediate removal of the bankruptcy entry incorrectly listed on my credit report under the name XXXX XXXX XXXX, with a reference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reference Number : XXXX ). This is not my bankruptcy, and its false reporting is causing direct harm to my credit and reputation. 

This inaccurate entry constitutes defamation of character and is actively injuring my ability to access credit and exercise my financial rights. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable, and your failure to ensure this has placed me in a compromised financial position. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against XXXX and XXXX for failing to conduct proper investigations and for reporting inaccurate information. This case demonstrates XXXX ongoing violations of FCRA requirements, specifically the obligation to thoroughly verify disputed information. Your actions in this matter further reinforce this pattern of negligence. 

Additionally : 1. Bankruptcy courts do not report information directly to credit bureaus, nor do they act as furnishers of such data. Any claim that this information was verified through the court is therefore false. 
2. The only entities with access to such records are XXXX and XXXX. I have opted out of sharing my information with XXXX, and XXXX requires payment to access records. Without direct and verifiable evidence, this entry is unsubstantiated and unlawful. If you can not furnish any documentation directly from the bankruptcy court on their letterhead, then you must act now and remove This immediately, as it is injuring my person and keeping me from accessing my rights to Credit. This is defamation please follow the demand below. 

I demand the following actions to be taken immediately : 1. Remove this incorrect bankruptcy entry from my credit report immediately.

2. Provide written confirmation that the entry has been removed.

3. Provide documentation of how this information was obtained, including the name and contact details of the entity that provided it. 
4. Explain why XXXX failed to comply with the FCRA by reporting this false information without proper verification. 

Your negligence in this matter has caused me significant financial harm. If this entry is not removed immediately, I will have no choice but to escalate this matter by filing formal complaints with the CFPB, pursuing legal remedies for defamation, and seeking compensation for damages caused by this false reporting. 

This matter requires immediate attention, and I expect confirmation of the removal of this entry within XXXX business days. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Citi Cards CBNA is reporting a balance owed of {$440.00}, Account XXXX, on my credit reports for a secured account that allegedly went into default in XXXX. 

When I spoke to Citi Cards customer service on Monday XX/XX/XXXX I was told that they could not verify the debt or who owned the debt. 

Citi Cards must therefore immediately delete this account from all credit reporting agencies and cease collection efforts, in compliance with FCRA laws. Failure to comply will make Citi Cards CBNA liable to further legal recourse, which I will pursue to the fullest extent.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX.
Product: Credit card or prepaid card

I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

all credit bureaus have hoarded my info, with out consent. 

Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 
Dear XXXX XXXX, Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 

.
Product: Debt collection

The collections agency United Collections Bureau located in XXXX, OH attempted to collect a debt I didnt recognize. They sent paperwork to me on XX/XX/2021 and I sent them a debt verification letter on XX/XX/2021. They validated the debt on XX/XX/2021 and sent me the paperwork. I did not receive the paperwork until XX/XX/2021. This is a violation of my rights under the FCRA and I sent a follow-up dispute letter. The debt validation was not valid since it lacked the original contact from the creditor XXXX XXXX XXXX. I also realized that they provided no proof that I had to pay their collections agency. For some reason the representative XXXX XXXX also misread the dispute letter I send and assumed I did not want to be contacted by mail. This was not true and I received a letter claiming this when I sent my last dispute letter on XX/XX/2021. I specifically said they needed to close my debt file if they could not prove that they own the debt in question let alone have the right to collect it. I will attach the documentation I have.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, or personal loan

Ace cash express email stating that I was approved for 3,000-10,000 dollar loan, name XXXX XXXX XXXX loan code was XXXX XXXX, wanted me to give him my bank login info and password, I refused, he hung up on me.
Product: Debt collection

Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. 
Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.
Product: Credit reporting or other personal consumer reports

all the negative items on my reports is falsly reported and incorrect. never late on accounts listed and no charge off at all account payed and closed.
Product: Student loan

Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the accounts from my credit report that have been reported without my authorization. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, the reporting of accounts on my credit report must have a permissible purpose. I noticed furnished accounts on my report that werent granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have I given any 3rd party consent to furnish a report either.

I have disputed the accounts with the bureau in regard to this matter already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    issued a letter stating they would not remove the account
Product: Credit reporting or other personal consumer reports

When handling disputes XXXX uses faulty intake procedures, and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when the response was improbable or illogical on its face, or where is XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing ambiguous, incorrect, or internally inconsistent. XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinsert inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report has been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a few furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I sent two validation letters to XXXX and they ignored my requests for validation.